INDIVIDUAL HEALTH COVERAGE
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INDIVIDUAL HEALTH COVERAGE
Government regulations have changed with The Affordable Care Act. There are more programs and plans available at more affordable prices. Depending on your total household income you could qualify for a subsidy making plans more affordable for you and your family. We are certified to quote on the Health Insurance Marketplace so let us do the work for you.
If you fall under any of these categories, individual healthcare may be the best approach for you:
- In between jobs
- Looking for affordable health insurance
- Self-employed
- Employer provided health benefits not available
- Turning 26 and aging out of your parents’ coverage
Health insurance can be very confusing with all the different factors it contains, like copays, deductibles, and out of pocket maximums. We will help you understand the meaning of copays, coinsurance & deductibles so you choose the right plan that fits your individual needs and budget.
SHORT TERM Medical Plans
Short-Term Medical Plans can help cover preventative doctor visit costs, emergency room visits, and has coverage for prescription medications. With access to medical care, like doctor visits and lab work, that provide protection from common illnesses and the unexpected
A Short-Term Medical Plan could be a better choice over COBRA to continue your medical coverage.
If you don’t need coverage for pre-existing conditions a short-term health plan could be a great choice. You will be asked to answer a set of health eligibility questions to determine if you qualify for a short-term medical plan.
Depending on your state residence, plans are now available up to 12 months with the ability of two renewals.
Short-term medical does not follow an open enrollment period, you are able to apply 365 days of the year. Coverage usually starts the day after you complete the enrollment process.
Neither Guardian nor its subsidiaries issue health insurance or short term medical plans.
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This website is intended for general public use and is for educational purposes only. By providing this content, Carriage Group Benefits is not undertaking to provide any recommendations or investment advice regarding any specific account type, service, investment strategy or product to any specific individual or situation, or to otherwise act in any fiduciary or other capacity. Please contact a financial professional for guidance and information that is specific to your individual situation.
