We have a breadth of knowledge in several all types of health insurance, but it’s always nice to know where you want to begin the conversation. Click to see a brief summary of each type of medical insurance we often assist with, and reach out when you’re ready to chat in detail.
The ACA Marketplace plans provide a robust selection of health insurance options that cover a wide range of essential health benefits, such as doctor visits, hospital stays, and prescription drugs. With subsidies available based on your income, these plans are designed to make comprehensive healthcare more accessible and affordable for individuals and families.
Whether you’re looking for a plan with low monthly premiums or one with lower out-of-pocket costs, we’ll help you find the right fit.
Underwritten health insurance plans are customized based on your individual health profile, allowing you to potentially secure lower premiums if you’re in good health. These plans often require a medical questionnaire, which means they offer more personalized coverage options compared to standard plans.
If you’re someone who takes proactive steps to maintain your health, an underwritten plan could provide you with significant savings while still offering the coverage you need.
Health Share plans offer a community-driven approach to managing healthcare expenses, where members share each other’s medical costs. These plans are often faith-based and can be a more affordable alternative to traditional insurance, especially if you align with the values of the Health Share community. While not technically insurance, Health Share plans offer a way to pool resources with like-minded individuals, providing coverage for many medical expenses while promoting a sense of shared responsibility and support.
Short-term health insurance is perfect for those in transitional phases of life, such as between jobs, recent graduates, or waiting for other coverage to begin.
These plans offer temporary coverage, and provide essential protection against unexpected medical expenses. While they may not cover pre-existing conditions or offer as comprehensive benefits as long-term plans, they are a cost-effective solution to ensure you’re covered when you need it most.
Indemnity health insurance, also known as “fee-for-service,” allows you the freedom to choose any healthcare provider without being tied to a network. These plans pay a set amount for specific medical services on claim, giving you more control over your healthcare decisions. Indemnity plans are ideal for those who prioritize flexibility and prefer to manage their own healthcare choices, making it easier to tailor your coverage to your specific needs.
Dental insurance is designed to help you maintain your oral health by covering routine checkups, cleanings, and a wide range of dental procedures, from fillings to root canals. Regular dental care is crucial for overall health, and our dental plans make it affordable to keep your teeth and gums in top shape. Whether you’re looking for basic preventive care or more comprehensive coverage, we offer plans that suit your needs and budget.
Vision insurance ensures that you can take care of your eyes without worrying about the cost. From annual eye exams to prescription glasses and contact lenses, our vision plans provide the coverage you need to keep your eyesight sharp.
We understand how important clear vision is for your daily life, and our plans offer access to a wide network of eye care professionals, making it easy and affordable to get the care you need.
Supplemental insurance is designed to enhance your existing health coverage by providing additional benefits that help cover out-of-pocket expenses. Whether you need extra protection for hospital stays, accidents, or critical illnesses, these plans offer financial support when unexpected medical events occur. Supplemental insurance acts as a safety net, giving you peace of mind knowing that you’re prepared for life’s surprises without straining your finances.
Life insurance provides essential financial protection for your loved ones in the event of your passing, helping to cover expenses like funeral costs, outstanding debts, and even future financial needs. With options like term life insurance, which provides coverage for a specific period, or whole life insurance, which offers lifelong protection, you can choose the plan that best fits your situation. Life insurance is a vital part of financial planning, ensuring that your family is supported and secure no matter what the future holds.
Medicare Supplement plans, or Medigap, are designed to work alongside Original Medicare by covering additional costs like copayments, coinsurance, and deductibles. These plans provide a more predictable way to manage your healthcare expenses, reducing the out-of-pocket costs that can arise with traditional Medicare. If you want to maintain the freedom to choose your healthcare providers while minimizing unexpected medical bills, a Medicare Supplement plan could be the perfect solution.
Medicare Advantage plans are an all-in-one alternative to Original Medicare, offering the same benefits along with additional coverage like dental, vision, and prescription drugs. These plans are provided by private insurance companies and often include extra perks like wellness programs and gym memberships. With Medicare Advantage, you get the convenience of comprehensive coverage under a single plan, making it easier to manage your healthcare and stay healthy as you age.
There’s no shame in asking questions. In fact, we encourage them. Here are some of the most frequent things we’re asked as well as some common misconceptions we clear up.
Find the best health insurance plan for YOU by working with American Health Options.