Our Mission is to Reduce the Cost of Employee Benefits
At Reliant Edge Solutions we recognize the value of our client’s business goals and their need for a quality of life and piece of mind to ensure their financial future and fiscal responsibilities. We welcome your questions ...
Providing Options from Trusted Partners
Aetna – Blue Cross and Blue Shield of IL – Humana – Mutual of Omaha – Principal Financial Group
United HealthCare – VSP Vision Service Plan – Delta Dental
Need Health Insurance? Contact Us For Help!
Request More InformationChoosing the right health plan for you and your family is an important decision!
Learn why encouraging healthy living is a good business strategy
Attention Small Business Owners
Why would an EMPLOYER want to get into the health insurance space,
if they are not presently offering benefits?
Do you need a one person group option?
Understanding the Affordable Care Act
In a traditional fully insured health plan, your company pays a premium. The premium rates are fixed for a year, and you pay a monthly premium based on the number of employees enrolled in the plan. Your monthly premium only changes during the year if the number of enrolled employees in the plan changes.
The insurer collects the premiums and pays the health care claims based on the benefits in the policy you purchased. The covered persons are responsible to pay any deductible amounts or co-payments required for covered services under the policy.
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The Marketplace is a new way to find quality health coverage. It can help if you don’t have coverage now or if you have it but want to look at other options.
With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options side-by-side, and enroll.
All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. Essential health benefits are minimum requirements for all plans in the Marketplace. Plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace. View services all plans must cover.
You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.
Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan.
- November 1, 2024: Open Enrollment starts — first day you can enroll in, renew, or change Marketplace plans.
- December 15, 2024: Last day to enroll in or change plans for coverage to start January 1.
- January 15, 2025: Open Enrollment ends — last day to enroll in or change Marketplace plans for the year with coverage starting February 1.
You can enroll in or change coverage only if you qualify for a Special Enrollment Period.
Check if you qualify to enroll in or change plans now.
You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) anytime if you’re eligible. Coverage can start right away.
What are the 10 essential health benefits?
- Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- Emergency services
- Hospitalization (like surgery and overnight stays)
- Pregnancy and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment, counseling, and psychotherapy
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (this doesn’t include adult dental or vision coverage)
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