We’re here to help you find the health option that fits your needs and budget. Coverage options your agent may go over with you include:

• Limited Medical Plans – limited medical plans offer much lower lifetime caps and stricter restrictions on in-network doctors when compared to a major medical plan but offer much lower premiums as a result. In addition, limited medical plans do not require a qualifying life event to enroll and are therefore available to consumers year-round.
• Fixed Indemnity Plan – Indemnity plans are designed to provide financial support in the event of major health events such as hospital stays or surgery. Indemnity plans are designed to provide financial assistance in paying unexpected out of pocket medical costs.
• Major Medical – The health plan most consumers are familiar with. Major medical coverage offers the most comprehensive protection and flexibility of the plans listed. Major medical coverage comes with two major challenges:
  • Qualifying Life Event - Major medical plans require a Qualifying Life Event (QLE) to apply for outside of open enrollment. Qualifying life events include many life circumstance changes like getting married, divorced, having a child, moving to a new state, or change of employment.
  • Affordability – Due to the flexibility and comprehensive coverage, major medical plans are often very expensive when compared with alternative options. Major medical plans do offer subsidy support based upon household size & income.

Still have questions? Your agent can answer any questions about the plan types listed above and help you in deciding what might be the best fit for you.