Health
Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
Complete Insurance Advisors is a Nationwide Broker we are able to find you the best plan at the best price!
The Open Enrollment period starts on November 1 and ends on January 31. If you enroll by December 15 your coverage will begin on January 1.
The Open Enrollment period starts on November 1 and ends on January 31. If you enroll by December 15 your coverage will begin on January 1.
Unless Congress acts to extend the January 31 deadline, you will be unable to purchase an Obamacare Plan until the next Open Enrollment period begins in the fall. Between this Open Enrollment Period and the next period, you can only enroll in an Obamacare Plan if you have a Qualifying Life Event.
If you previously purchased an Obamacare Plan in that coverage will expire at the end of this year. You can choose to either renew your current plan or purchase a new plan, but you have to act before the end of the year.
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For those looking for affordable health insurance, it’s good to know what you’re looking for. Some people prefer to have a health insurance agency handle their insurance while others prefer a broker. But what roles do they play and what benefits come with each? Continue reading to find out.
Anyone in the market for health insurance will find that both health insurance agencies and brokers act as middlemen between the individual looking for insurance and the insurance company they decide to go with. Regardless of which one you decide on, it’s important to understand that both must abide by a legal obligation to aid people in finding health insurance that suits them.
With this being said, the most obvious difference is that a health insurance agency represents a health insurance company while a broker acts on behalf of the person seeking out health insurance. In essence, brokers are capable of providing plans from more than one health provider while a health insurance agency represents a single health insurance company.
A health insurance broker can represent a single insurance company or multiple companies. The insurance brokers representing a single company are viewed as captive while brokers representing more than one are seen as independent. Brokers will not charge fees to the individual. Instead, they receive their compensation in the form of commissions and/or salaries plus commission.
Health insurance brokers work to find an insurance plan that fits the person’s needs. Instead of working for the insurance companies, these individuals receive their commissions from the companies. All of the insurance policies include built-in paid commission fees, providing the brokers with their compensation.
Going to a broker is a good idea because these individuals understand the insurance industry. These men and women are experts in their fields and work to guide those in need of health insurance. Some even specialize in certain industries. With the right broker, you’ll receive the help you need to find an excellent health insurance plan and manage it after.
Regardless of whether you decide to go with a health insurance agency or broker, you’ll want to ensure that they are qualified to help you. Although it can be difficult to find health care insurance for oneself, getting help from either will make the process much easier. Ultimately, both are capable of locating the health plan that suits your needs, making the choice dependent on your personal preference.
Before Obamacare, healthcare was too expensive for many families to afford. And even if you could afford it, insurance companies would deny coverage to anyone who had a preexisting medical condition, making it near impossible to get coverage if you weren't 100% healthy. Obamacare, officially known as the "Affordable Care Act," changed all of that. Now, by law, healthcare has become much more affordable and universally available. You don't need a high income or perfect health to get insured.
For those who are under the age of 30, it’s possible to obtain a catastrophic health plan. These plans tend to have a lower payments and 3 primary care visits prior to the deductible being applied. They also include free preventative care. This is included even if the deductible has yet to be met. This type of plan also allows you to see doctors found in the plan’s network. With this in mind, there might be other rules pertaining to visiting specialists depending on the plan. Those on a catastrophic health plan have a monthly payment as well as a deductible of $7,350 for a single person and $14,700 for a family as of 2019. Once this deductible is reached, it pays 100% of the medical costs for anything that’s covered.
Finding the best life insurance policy for you is something we strive for. We understand that everyone’s situation and family require special care. With this in mind, there are many options and looking at the core policies available will provide insight. This list shows the most common life insurance coverages available.
This type of life insurance coverage gives death benefit protection for a specified period of time. The amount of time is usually 10, 15, 20, or 30 years. Whichever period of time is specified is the policies “term.” After the term ends, the policy renews annually. The majority of term life insurance providers let whoever owns the policy renew it until the individual reaches the age of 95. These renewals will increase over time.
Whole life insurance is a permanent life insurance coverage that gives a person death benefit protection throughout their whole life. Most of the time, this kind of coverage is provided at a fixed rate with guaranteed protection until the day the person dies and guaranteed cash value accumulation. Due to the fact that this type of coverage is with the person until they pass, there are usually higher payments than most other common life insurance policies.
Guaranteed universal life insurance coverage provides individuals with an inexpensive permanent policy. This coverage has a flexible death benefit period that is customizable up until the person reaches the age of 90, 95, 100, 110, and 121. The best way to define this coverage is as a combination of term and whole life insurance coverage. Over time, this coverage builds minimum cash value and the coverage stops once the individual reaches the age named in the policy.
Variable life insurance coverage has a fluctuating face value that is depending on the value of currency, securities, or other equity products that the policy is supported by when the payment is to be made. The erratic nature of this kind of coverage makes it so this is not a policy that everyone is willing to go with. These kinds of policies depend on the investment vehicle and when the market is being driven up, it is an excellent kind of coverage. With this being said, if the market is dropping, the increase in payments might become overwhelming.
Our services are available throughout the country. We also offer health insurance options from major companies along with A+ rated carriers. Once you have chosen a program, our certified, appointed & licensed agents will guide you through the application process, expedite your enrollment, review the main details of your options including the associations, and you’ll be informed regarding your status. Complete Insurance Advisors is currently one of the leading health insurance agencies. We offer a wide variety of health and life insurance options. The selections that we offer are customizable and tailored to the client’s specific needs. We offer multiple products and alternatives that can be bundled with any of the individual or family packages selected.
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+1 (855) 759-3527Your licensed agent is ready to find you the best plan for the best price! Call us directly or leave a message and we will get back to you as soon as possible.