Providing Options from Trusted Partners
Aetna – Blue Cross and Blue Shield of IL – Humana – Mutual of Omaha – Princiapl Financial Group – United HealthCare – Quartz –Express Scripts – VSP Vision Service Plan – Delta Dental
Choosing 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.
Preventive care helps you stay healthy. A doctor isn’t someone to see only when you’re sick; doctors also provide services that help keep you healthy.
The Affordable Care Act is making health insurance coverage more affordable and accessible for millions of Americans. During the first annual enrollment period, more than 8 million Americans signed up for coverage through the Health Insurance Marketplace, including more than 4.3 million women. And that doesn’t include the more than 3 million young adults who have gotten coverage through their parents’ health plans, or the millions who have learned they are eligible for Medicaid coverage. These people are enjoying high quality, affordable coverage that can’t discriminate based on a pre-existing condition, or charge women more because of their gender.
Learn more about …
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. Learn more
Want to enroll in or change a 2022 Marketplace health plan?
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.
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)