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PRIVATE COVERAGE
PRIVATE COVERAGE
We Have You Covered
Choosing an insurance plan that meets your needs can be overwhelming. The first step is to understand the difference between public vs. private health insurance. Which one is right for you?
Overall, most Americans are enrolled in a private health insurance plan, according to the U.S. Census Bureau. The rest may have coverage through a public or government program like Medicaid or Medicare. Employer-based coverage continues to be the most common, followed by 19% of Americans with Medicaid and 17% with Medicare.
Finding the right plan can be difficult. Each plan has its pros and cons, especially considering how costs can vary depending on the plan's monthly premiums, deductibles and co-pays.
Some private health insurance plans offer benefits that meet the minimum essential coverage requirements of the Affordable Care Act (also known as Obamacare). Other plans might offer different benefits, such as short-term or catastrophic coverage. These plans may not count as private health insurance options, such as short-term plans and catastrophic coverage, may offer different benefits, but may not count as a qualified health plan under the Affordable Care Act.
Private health insurance refers to any health insurance coverage that is offered by a private entity instead of a state or federal government. Insurance brokers and companies both fall into this category.
The good news is that ObamacarePlans.com summarizes all the key info for you, making it easy to compare your options and decide. Whether you prefer to lower your monthly premiums with a Bronze or Silver plan, or need to lower your out-of-pocket cost with a Gold or Platinum plan -- we have you covered. In fact, depending on your eligibility and qualifications, some plans can be as low as $30 per month*.
ACA OBAMACARE
ACA OBAMACARE
We Have You Covered
Finding the right plan can be difficult. Each plan has its pros and cons, especially considering how costs can vary depending on the plan's monthly premiums, deductibles and co-pays.
The good news is that ObamacarePlans.com summarizes all the key info for you, making it easy to compare your options and decide. Whether you prefer to lower your monthly premiums with a Bronze or Silver plan, or need to lower your out-of-pocket cost with a Gold or Platinum plan -- we have you covered. In fact, depending on your eligibility and qualifications, some plans can be as low as $30 per month*.
MEDICARE INSURANCE
MEDICARE INSURANCE
Our special plan gives you many valuable additional benefits for important health care services. And it makes managing your Medicare and Medicaid coverages easier than ever.
Original Medicare, Part A and B, pays for many of your health-care services and supplies, but it doesn’t pay for everything. That’s why you may want to consider getting a Medicare plan, also called Medigap. Unlike Original Medicare, a Medicare Supplement plan is offered through private insurance companies. These Medigap plans help pay some of the hospital and medical costs that Original Medicare doesn’t cover, such as copayments, coinsurance, and yearly deductibles.
Some Medicare Supplement plans also help pay for a few services that Original Medicare doesn’t cover, such as emergency overseas travel coverage or Part B excess charges. Two out of ten Medigap plans include a yearly out-of-pocket limit, which Original Medicare doesn’t include. Basically, a Medigap policy fills the “gaps” in Original Medicare coverage.
The Original Medicare Program is made up of 4 Parts currently. But at any given time you will only be using either Part A, Part B, and Part D OR you will be using Part C. Let's break down what each of these are in the button "Learn more about Medicare Plans":
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