You can now shop for your health insurance coverage from the same source you trust for your homeowners, auto and business policies. We Insure provides major medical, alternative health insurance and supplemental coverage, as well as health and medical discount plans.
Major Medical. Affordable Care Act (ACA) plans are guaranteed issue, which means insurers can’t turn you down or charge you more due to a preexisting condition (although other factors can still increase your premium). The law mandates all ACA plans to cover the 10 essential health benefits, including: hospitalization, emergency services, ambulatory care, prescription drugs, maternity care, rehab services and devices, mental health/addiction, lab work, preventive services and pediatric care.
Supplemental Health Insurance. ACA plans can come with high deductibles for care. But supplemental policies are available to offset some of the out-of-pocket costs that can come in the event of a covered accident or critical illness, such as cancer or a heart attack.
Depending on your policy’s deductible, you could be responsible for some hospitalization costs before your insurance pays a portion of the charges. That’s where supplemental hospital indemnity insurance can help. Supplemental policies can also provide dental coverage, which is not one of the ACA’s 10 essential health benefits if you’re over 17.
Health and Medical Discount Plans. While not insurance, discount plans can also help you save money on health care costs. These plans can reduce the cost of prescription drugs, telemedicine and specialists like dietitians, physical therapists and podiatrists. They can offer savings on home-use medical supplies as well as integrative and alternative health care that most traditional plans don’t cover.
Another valuable plan benefit is access to expert administration, referral and negotiation services to help you navigate the complicated world of health care. With this service, you can access professionals who are able to negotiate medical bills, review diagnoses and treatment plans and coordinate administrative issues involving a range of health-related services. No one can turn you down for a health and medical discount plan.
Short-term Medical (STM). This is temporary insurance coverage for those between health plans and can be issued for shorter time frames. These plans have more limited coverage than major medical, but tend to also have lower premiums.
STM plans may cover: hospital room and board, ER anesthesiology and surgical care, diagnostic services such as X-rays and laboratory tests, doctor visits, ambulance transportation and surgical services. STM policies are highly customizable, so their coverage and costs may vary significantly.
Medicare Options. Because there’s no one-size-fits-all Medicare plan, and coverage options can vary depending on where you live, navigating the landscape of this federal health insurance program can be daunting. But We Insure is here to help you — or your parents. We can help check your eligibility, explore your coverage options and provide you with a personalized recommendation.
If you’re an independent contractor, no longer covered under an employer-sponsored health care plan, aged out of your parents’ insurance plan or retired and not yet eligible for Medicare, We Insure has health insurance options for you. Contact us today.