Health Plan Options 2024
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Health
Any Doctor, Any Hospital!
24 hour coverage, on or off the job
Portable coverage
Quality coverage available for periods of critical illness
Wellness & Health Screening Benefits Available
Dental
3 Plans to Choose From Tailored for Your Needs
Preventative Dental Care Coverage
Basic Dental Care Coverage
Major Dental Care Services Available
Orthodontic Care Services Available
Vision
Over 100,000 Access Points
Comprehensive Eye Exam Coverage
Corrective Lenses Coverage
Corrective Contact Lenses Coverag
Annual Allowance Towards Frames
Premier Advantage
Fixed Indemnity Plans provide first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize the nationwide UnitedHealthcare Choice Plus Network and pay the stated benefit amount, regardless of expenses incurred.
Premier Choice
Specified Disease/Sickness and Accident PPO Plans provide first dollar payments for expenses incurred for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pay the expenses charged for covered services after the PPO discount, up-to each benefit maximum.
Secure Advantage
Specified Disease/Sickness and Accident PPO Plans ensure you secure the right level of protection for you and your family to prepare for life’s unpredictable moments. These plans use your selected network and provide flexible options that allow you to choose the most appropriate deductible and coinsurance combination that meets your needs and budget for sickness and accident coverage.
Health Access Plus
The Health Access Plus Fixed Indemnity Plan is offered without medical underwriting and provides first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pays the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network.
Med Guard
Provides lump sum benefit payments to the insured to help offset any out-of-pocket healthcare expenses or other household expenses if a covered critical health incident occurs in the future. Additionally, even if a covered critical health incident does not occur, 100% of the Plan’s benefit amount is paid to the named beneficiary upon the insured’s death.
Secure Dental
PPO plans can help your family maintain a healthy smile. The plans utilize your selected network and pay the expenses charged for covered services after the PPO discount up to the stated maximum, subject to the required deductible.
The Affordable Care Act (ACA)
Commonly known as Obamacare, is a comprehensive healthcare reform law enacted in 2010 with the goal of making health insurance more affordable and accessible for Americans. It established health insurance marketplaces where individuals and small businesses can compare and purchase insurance plans, often with the help of subsidies and tax credits for those with lower incomes.
The ACA expanded Medicaid eligibility in participating states, allowed young adults to remain on their parents’ insurance until age 26, and prohibited insurance companies from denying coverage or charging higher premiums due to pre-existing conditions. Additionally, it mandated that all ACA-compliant insurance plans cover essential health benefits such as preventive services, mental health care, and emergency services, aiming to improve the overall quality and accessibility of healthcare in the United States.
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Speak with a licensed agent and get knowledgeable advice on choosing a plan that’s right for you.
Got Questions?
Finding health insurance that fits all your medical needs doesn’t need to be difficult. But it’s important to remember health plans aren’t a one-size-fits-all solution. No one knows your needs better than you. So take some time to learn about various types of health options and work with your agent to find the best fit.
The comprehensive healthcare reform law, known commonly as ACA or Obamacare, requires qualified insurers to provide individual health insurance plans to enrollees that meet the minimum essential coverage requirements. These plans are designed to make healthcare more affordable and to provide coverage to everyone, including those with pre-existing conditions.
With an ACA health plan, you pay a monthly premium and typically, a co-pay. When choosing your plan, it’s important to look at the deductible, which is the amount of money you pay before your insurance “kicks in,” and your out-of-pocket maximum, which is the total amount of money you pay annually before your insurance covers you 100%.
Also, keep in mind, that while all ACA health insurance plans include dental and vision coverage for children, they may not include it for adults. If you need vision and dental coverage, and your plan doesn’t include it, you’ll have to purchase it separately.
Short-term health insurance is designed to fill gaps in coverage. It’s ideal for people who are:
Switching jobs and in-between benefits.
Waiting to be Medicare-eligible.
Not qualified for an ACA plan, but will have other insurance in the near future.
Transitioning from their parent's health insurance plan to their own.
Keep in mind, short-term plans aren’t required to meet the same guidelines as ACA plans. Because of this, many don’t cover pre-existing conditions. Some plans also have maximum payout amounts and waiting periods for coverage to begin. So, when choosing a short-term plan, it’s important to completely understand what is and isn’t covered before you buy.
Fixed indemnity plans aren’t traditional health insurance coverage. These plans are designed to supplement your health insurance by reimbursing you for out-of-pocket expenses you pay on covered medical treatments and procedures.
For example, if your health insurance has a $500 deductible for your ER visits. Then, you can submit your receipts to the provider who manages your fixed indemnity plan for reimbursement.
Keep in mind, fixed indemnity plans don’t cover pre-existing conditions and have a list of limitations.
Community/cost-sharing plans are not real health insurance plans. These plans are designed to supplement your health insurance in an effort to help you manage costs.
When you purchase a cost-sharing plan, you aren’t buying health insurance. Instead, you’re buying into a community plan that pulls everyone’s monthly payments together and uses that money to help pay for its member’s out-of-pocket medical expenses.
Keep in mind, each program has specific guidelines. Before you buy, make sure you know what type of medical expenses you can get reimbursed for.
When exploring your health plan options, you can ask the agent these questions to help determine if the coverage fits your needs.
Is this a managed care or an indemnity plan?
Is this plan ACA compliant?
Is this a cost-sharing plan or is it real health insurance?
Is this health insurance or a plan that supplements my current health insurance?
How much money do I have to pay out-of-pocket annually for care?
Is there a co-pay for visits? If so, what is it?
Does this plan include dental, vision care, and other special services?