There are several health plan options. Financial help is available to those who qualify. Enroll independently or request live assistance.
Fort Lauderdale, FL (PRWEB) November 25, 2016
Health Carriers have moved towards value-based care. There's much more transparency with deductibles, cost sharing, and subsidies. It is crucial for the insurers to compete more effectively in the evolving world of healthcare reform.
Plan comparisons lead to greater consumer satisfaction, allowing carriers to incorporate more clarity on cost sharing within the plans. Which is the main reason consumers comparison shop for health insurance plans to arrive at a well-informed decision.
Health literacy is still a challenge
Medical insurance is well known but not well understood. Despite the increasing use of comparison shopping and mobile apps, health literacy is still far from being satisfactory. Most people do not understand the meaning of four basic health insurance concepts; Deductibles, Plan Premium, Out-of-Pocket Maximum and Co-insurance.
Insurance carriers, especially those operating through health insurance exchanges, need to focus on plan-to-plan comparisons to enable the consumer understanding when it comes to cost sharing options.
Choosing a best fit dental or vision insurance plan
About 60% of Americans have dental insurance. The Affordable Care Act (ACA) requires insurance providers to offer dental insurance to children below 18. Like dental insurance, a range of vision insurance options are also available for individuals that include:
- Indemnity Plan
- Preferred provider Organization (PPO)
- Preventive Care
- Basic Procedure
- Major procedures
- Discounted plans, and others
“When people have options in a competitive market, they can save significantly through comparison shopping. Whether they save 5% or 50% every little bit helps. What matters just as much is picking the best plan for you and your family. The last thing a consumer needs is to pay more for a plan or to choose the wrong plan that they’ll have to keep for a full year. It’s also very important to complete the application correctly for the best possible tax credit possible. It can mean the difference between owing the marketplace money when you file your taxes or not. We assist clients by giving them quotes from major health carriers, reviewing plan options, and completing their application to insure the highest possible tax credit when eligible. And as always our enrollment services are complimentary because the health carriers compensate us for assisting clients.” Says Kay Dukes, CEO at Health Ins Quote.
Before Deciding on A Health Plan, Consider:
- The monthly budget you can afford
- Your medical needs
- Policy coverage and benefits
- Whether your current doctors are in the new plans’ network
The Price of Insurance
Everyone’s budget is different however if you are on a limited budget or fall within the poverty guidelines you may qualify for a subsidy, also known as a tax credit. This credit can be used immediately to reduce the monthly premium cost of your healthcare. A common misconception is that healthcare is expensive, when in fact 87% of consumers who apply for coverage qualify for a tax credit. Many people pay $75 or less for coverage and some pay a $0 monthly premium after the tax credit is applied. Keep in mind everyone’s household size and income varies so it’s important to get a personalized quote to determine what credits you qualify for. You would be doing yourself and your family a disservice if you don’t take the time to compare plans and review options with an agent.
“Some consumers get so frustrated when shopping for health plans on their own that they decide to opt out of coverage. Then when they file their taxes they are charged a penalty for all the months they were uninsured. The penalty last year was $695 per uncovered adult or approx. $58 per month. A lot of these same consumers who were penalized would have qualified for a tax credit and if they had enrolled in healthcare they would be paying the same or even less than the cost of the penalty. On top of that, they must pay out of pocket for any medical bills they accrued over the year that they were uninsured. Why pay to NOT have coverage when you can get the coverage you need at an affordable price and have peace of mind.” Says the founder of Hip Hop 4 Healthcare Kay Dukes.
Comparison Shop and Buy with Confidence
Don’t know if you are getting the best deal? Compare and shop for the best coverage to meet your needs. Health insurance coverage doesn’t have to be complicated but it can be without assistance.
HealthInsQuote.net is the country’s leading health insurance comparison portal where individuals and families compare low rate insurance products including:
- Life Insurance
- Dental Insurance
- Health Insurance
- Vision Insurance
- Family Health Insurance
- Disability Insurance
- Short-Term Health Insurance
- Accident Insurance
- Group Health Insurance
Health Ins Quote’s unique online enrollment tools allow customers to complete their entire healthcare enrollment application (https://healthinsurancequotes.acaexpress.com/) or dental/vision plan (https://brokers.dentalforeveryone.com/?Portal=15777990 ). If consumers need assistance an agent can assist via telephone at 855-943-8752 Monday through Friday from 9 A.M. – 5 P.M. ET.
Not Sure Where to Start? Talk to Experts
Nothing beats speaking to a real person to get answers to your specific concerns or questions. Speak to one of our experts to get personalized recommendations by answering some short questions. You can’t get a better plan anywhere else. Get started now.
“Last year, over 75% of our enrollments came from repeat customers and referrals from current customers. In total we’ve generated 1.2 million quotes. It’s a real endorsement of the dependability of HealthInsQuote for consumers and insurers, as well as the dedication of our front-line customer service team”, concluded CEO at Health Ins Quote
Individuals and families can compare health insurance products of the leading carriers both on and off the exchange including; Molina Healthcare, Ambetter, Blue Cross Blue Shield, Aetna, United Healthcare, Avmed, Delta Dental, Prudential, Humana, MetLife, AIG, Kaiser Permanente, American National etc. at HealthInsQuote.net. Our services are simple. Just tell us what you want in your coverage and we will work behind the scenes to bring you most exciting range of plans. Use our plan comparison feature to research and compare features side-by-side that matter you the most. Found the right product. Purchase it online directly from the insurance provider.
Founded in 2010, http://www.healthinsquote.net specializes in providing affordable health insurance quotes and enrollment to the US citizens. We enroll clients in life, dental, vision, health, group insurance, virtual doctor insurance, etc. We offer our services at absolutely no cost to you as we are compensated by the carriers for our efforts.
Need assistance? Talk to Health Ins Quote’s certified agents and get enrolled!
Website/Request Assistance: http://www.healthinsquote.net
Direct Health Enrollment Site: https://healthinsurancequotes.acaexpress.com/
Direct Dental/Vision Enrollment Site: https://brokers.dentalforeveryone.com/?Portal=15777990
Toll-Free Phone Number: 1-855-943-8752
Local Phone Number: 954-446-7667 (Florida)
Professional Association: National Ethics Association
Languages: English, Spanish, Creole