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AKOS – Virtual Concierge Care
AKOS Direct is a great option for those looking for an easy to use virtual plan. Not only do they offer 24/7 virtual Dr visits, but they also offer some meds at no cost (outside of your monthly membership fee) and 100’s of others prescriptions at a reduced cost, with delivery options. AKOS Direct also offers deep discounts for labs and imaging that rival most larger insurance companies costs. It is important to note that there is NO Hospital or ER Benefit included so it is IMPERATIVE that you do pick up a Short-Term plan, such as United, with an Allstate plan to help cover those costs if needed. With…
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United Hospital & Surgical Plan
The United Hospital & Surgical Plan what you might call a catastrophic plan. 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 include Dr visits. It is a 50/50 coinsurance plan with a $75 copay for up to 2 Urgent Care visits a year. There are several deductible options, with an additional $10,000 Max Out-of-Pocket after deductible is met. To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan from Allstate. This plan is great for those healthy individuals who are wanting…
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Philadelphia American Value Plan
The Philadelphia American Optimum Health Saver plan is a unique plan giving YOU more control of your health insurance than ever before. It is an indemnity plan. What that means is there is a specified amount the insurance company will pay for each service, office visit or procedure. Many are outlined in the Indemnity Benefit Plan Brochure including 20 Dr visits per person, per year, excellent lab benefits and hospital benefits and some chiropractic benefits as well. The dollar amounts listed on the left column, Value, (the plan I quoted for you) is the amount the company will pay for the specified service. Please see brochure (click here) as I…
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Manhattan Life Affordable Choice Enhanced Plan
The Manhattan Affordable Choice Enhanced Plan plan is a fixed Indemnity Plan. It offers generous First Dollar Benefits giving you the opportunity to make the best decisions for your health care options, including your Dr and Hospitals. There are 4 Plan Options, as outlined in this brochure. The Elite Plus offers the MOST coverage, at a very budget friendly price. There is some limited pharmacy coverage offered with this plan. To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan from AllState. This plan is great for those healthy individuals who are wanting a plan for “what if’s”…
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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 [hubspot type=”form” portal=”42406167″ id=”bce219cb-87bd-4633-94d4-bc0d6fb02b80″]
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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…
