Coverage for You & Your Family
Coronavirus (COVID-19) has rocked our businesses and our economy in ways we’ve never seen before. Many employees and their family members are losing access to group health plans at a time when having protection is more important than ever.
We are here to help find the best option for you and your family.
What type of coverage do you need?
Whether you're looking for temporary coverage or recently turned 65, we have the solution to cover your medical needs and fit your budget.
These plans are 100% Compliant with the Affordable Care Act.
The maximum duration of coverage generally varies by state between 90 to 364 days.
More than 90 percent of physicians nationwide accept Medicare.
Dental & Vision
Routine exams help you maintain overall good health & detect early signs of disease.
Special Enrollment Period
A 60-day special enrollment period will be available to anyone who loses coverage under their group health plan due to a job loss or reduction in hours.
Other qualifying life events that open a 60-day special enrollment period include changes in residence like a move to a new state or changes in household such as getting married or having a baby.
Note: Individual health plans may be cheaper than electing COBRA or state continuation coverage.
Short term carriers have committed to covering diagnostic lab testing related to Coronavirus (COVID-19)
Short Term Medical plans are available during times when coverage is needed most. When permanent individual or group health insurance coverage is either unavailable or unaffordable, you still have options.
Short Term Medical Plans are available in many states. These plans are lower cost alternatives to traditional health insurance plans because coverage is not as comprehensive as a traditional insurance plan; however, effective dates can be issued as early as the following day with many insurance companies.
How do I know if short term is right for me?
Individual plans offered on an exchange like healthcare.gov provide subsidies to eligible individuals and families. These subsidies may cover 100% of insurance premiums for some people and even wipe out some of the deductible and out-of-pocket expenses.
A single person with 2020 income of $49,960 or less may be eligible for subsidized coverage.
A family of four with 2020 income of $103,000 or less may be eligible for subsidized coverage.
The exchanges will also direct individuals to their state Medicaid office if it is believed their annual income might provide eligibility for coverage under that healthcare program.
Individual Coverage Health Reimbursement Arrangements (ICHRAs)
Employers can establish an ICHRA which reimburses employees for coverage they purchase in the individual market. Employers get to decide how much they reimburse their employees. The best part, the reimbursements are tax-free.
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