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AllState CoPay Enhanced Plan
The AllState CoPay Enhanced Short Term plan is a more traditional private insurance plans. It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation. This plan DOES have copay payments for Dr visits & Urgent Care visits. Each family member can have 2 Dr visits per 12 month period. There is a $40 copay for PCP and $60 for specialist. There are 2 deductible options $6000 & $8000 with premiums adjusted by chosen dedcutible. There is also pharmacy coverage offered with this plan. To help off-set the deductible cost there are supplemental plans, such as an accident plan from…
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AllState Enhanced 80/20 Plan
The AllState Enhanced Short Term plan is a more traditional private insurance plans. It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation. This plan does NOT have copay payments for Dr visits. You are required to pay 20% of costs, after deductible, up to the max $10,000 out of pocket coinsurance. There is a $50 access fee for Urgent Care (before deductible). There are several deductible options, the most popular being $5000 with 80/20 coinsurance and $10,000 Max Out-of-Pocket after deductible is met. Deductible must be met for hospital stays & Dr visits before the plan covers anything.…
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Health Insurance Terms
Health Insurance is something we all need but it is not necessarily something we all understand. Let’s try and understand it a little more with some fun Health Terms. Cobra A health insurance program that offers eligible employees and their dependents extended health insurance coverage for the plan they’re on, in the event that they lose their job or their hours are reduced. It stands for the Consolidated Omnibus Budget Reconciliation Act of 1985, which is the law that first introduced COBRA insurance Coinsurance A percentage you’ll pay for covered health services after you’ve met your annual deductible. Many plans offer 80/20 coinsurance, covering 80% of the cost of a…
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Life Insurance Terms
Understanding Life Insurance can be so complicated… but don’t worry I am here. Let’s start with some terms. Agent An insurance company representative licensed by the state who solicits and negotiates contracts of insurance, and provides service to the policyholder for the insurer. An agent can be independent agent who represents at least two insurance companies or a direct writer who represents and sells policies for one company only. I am an independent agent that represents many companies so I can help you find the RIGHT plan with the RIGHT company. Annuity A contract that provides a periodic income at regular intervals, usually for life. There are several options for…
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Let’s Connect
With so many options out there, I am here to help you find the RIGHT plan with the RIGHT company. Fill out info below … so we can connect
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Medical Debt … It doesn’t have to happen
Health Insurance can definately be confusing & frustrating, but if you don’t have it or have the wrong plan it can be devastating. You can rack up thousands if not more in medical debt without a plan or the right plan. Medical Debt – #1 Reason I think you need insurance Several studies in the last decade have consistently cited medical debt as one of the main reasons individuals file for bankruptcy. Let’s think about that for a few minutes…out of all the bankruptcies in the US one of the main reasons is because of medical debt. It doesn’t have to be that way. What are your options? There are…
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When the breadwinner is gone…
What would happen if the breadwinner in your world passed away? Whether that is you, your partner or you are are co-breadwinners… what happens when one of you is no longer here? What is your current coverage? First, do you have life insurance? Is it just for you, you and your partner or all members of the family? Second, who owns the plans? Do you own them or the company you are employed with? This can determine what the benefits are, how you collect on the policy and who to contact to get assistance. Lastly, do you know where the actual policies are located, whether hard copy or electronic copy?…
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John Hancock – Simple Term
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Allstate Guaranteed Issue Accident Plan
National General (NatGen) offers some great guaranteed issue supplemental plans to help off-set the cost of your deductible and subsequent out of pocket cost for accidents with a lump sum payment made directly to you. Being that a lot of guaranteed issue plans offer more limited benefits these supplements are a viable solution to help patients receive the care they need in an emergency without having to pay as much out of pocket. Plans do renew annually without additional underwriting needed. For plan brochure, click here.
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United Short Term Medical Value
The United Short Term Medical Value Plan is one of the more traditional private insurance plans. It is offered through United Healthcare, one of the largest healthcare insurance providers in the country and is a Nationwide PPO plan. This plan does NOT have copay payments for Dr visits & Urgent Care visits. You are required to pay 30% of costs, after deductible, up to the max $10,000 out of pocket coinsurance. There are several deductible options, the most popular being $7500 with 70/30 coinsurance and $10,000 Max Out-of-Pocket after deductible is met. Deductible must be met for hospital stays. To help off-set the deductible cost there are supplemental plans, such…
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BCBS Advantage Gold 206
Blue Cross Blue Shield is one of the most recognizable insurance companies out there. While there corporate, or employee sponsored plans, are second to none their private plans are a little different. To start with the max-out-pocket is generally higher than some other plans, but their deductibles can be on the lower end. With that being said though, their premiums are typically higher than most other private plans. Based on your individual needs they may be the best option, but there might be another company that fits your budget a little better. This plan in particular offers a $750 dedcutible, 60/40 coinsurance with $8700 max out-of-pocket. These plans do offer…
