AFFORDABLE HEALTH INSURANCE
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Finding health insurance for an individual or family can be a daunting task. With all of the changes happening in the health insurance industry, laws regulating health insurance, and the government’s influence on health insurance, you can trust First Family Insurance to guide you into the right health insurance plan that meets your individual needs and your family’s budget.
First Family Insurance doesn’t just provide options for affordable health insurance plans — we’re a one-stop shop for overall health. Our available product offerings through the nations top carriers encompass coverage and discounts for labs, pharmacies, primary care physician offices, radiology, and extended hours care centers (urgent care). We are attentive to every detail when it comes to your insurance, health, and wellness needs, and we aim to provide service you can count on.
Getting your free quote starts right here! Simply enter your information to receive health insurance coverage and pricing information. If you need assistance, speak with a licensed health insurance agent at 1-800-327-5579.
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Health insurance helps you pay for medical services. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses–usually a certain dollar amount or percentage of the expenses.
You can get health care coverage through:
There are many way to acquire health insurance, no matter the time of year. Before buying health insurance, speak with an agent licensed in your state.
When buying health insurance, your choices typically fall into one of three categories:
As your specific needs are individual to you, buy the health insurance that makes the most sense for you and your needs.
Speak to one of our licensed health insurance agents and ask questions, such as:
The most questions you ask, the more informed you’ll be. Working with an experienced agent will make the difference between coverage that just works, and coverage that meets your needs.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to choose to continue group health coverage provided by their group health plan for limited periods of time.
There are three basic requirements that must be met for you to be entitled to elect COBRA continuation coverage:
If you are entitled to elect COBRA continuation coverage, you must be given an election period of at least 60 days to choose whether or not to elect continuation coverage.
Under COBRA, group health plans must provide covered employees and their families with a notice explaining their COBRA rights. Plans must also have rules for how COBRA continuation coverage is offered, how qualified beneficiaries may elect continuation coverage, and when it can be terminated. COBRA is usually more expensive and the consumer could take on additional fees associated with this type of coverage.
Long-term care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities.
Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. You should consider the cost of long-term care insurance as you plan for retirement.
These questions can help you evaluate long-term care insurance policies.
What qualifies you for benefits?
Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet, and remaining continent.
What type of care is covered?
Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?
What will the benefits amount be?
Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.
What is the benefits period?
It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.
Is the benefit adjusted for inflation?
If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.
Is there a waiting period before benefits begin?
A 20 to 100 day period is not unusual.
A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at Healthcare.gov, for most states. Some states run their own Marketplaces.
Plans sold during Open Enrollment start January 1, 2018. After December 15, you can enroll in 2018 health insurance only if you qualify for a Special Enrollment Period. Contact one of our agents at anytime to see when you can enroll.
*Source data according to the Kaiser Family Foundation: Health Insurance Coverage of the Total Population, states (2007-2008), U.S. (2008), Total HMO Enrollment, July 2008, Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2008, Hospital Adjusted Expenses per Inpatient Day, 2007