What is Health Insurance?
Health insurance is a must in todays high costs for healthcare. Not having insurance can cause serious financial hardship if you were to become sick or injured. Over 50% of all bankruptcies each year in our country are caused by large unpaid medical bills. This coverage provides for the payment of benefits to doctors & hospitals as a result of sickness or injury. Includes insurance for losses from accident, medical expense, or accidental death and dismemberment. Medical insurance can be purchased in 3 ways.
ACA Marketplace coverage offers comprehensive coverage versus a Short Term plan which only offers limited coverage for a short time period. ACA coverage is "Guaranteed Acceptance" which means you cannot be turned down due to a pre-existing condition during open enrollment each year from November 1st until December 15th. Short Term plans will not cover pre-existing conditions or medications you are currently taking.
Health Insurance Types
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
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