Health Insurance Agent of Martinsville Indiana
Call or text anytime of day to talk with me about anything regarding financial products. Although I can’t always talk right away, I can always get back to you within an hour or two. They say a picture is worth a thousand words. If you’re able, try to be near your computer or a smart phone. That way if needed I can show you what we’re talking about. You can also get a head start in researching your options by trying out my Virtual Assistant first (click Online tab). Just answer a few questions and then receive information on the best type of policy for you or your family. Ready to talk? Call/text me at 317-514-8696 or 317-296-8881 anytime of day.
There’s lot of great resources online these days. With the power of the internet and some spare time, I’ve created a tool I call Virtual Agent. With Virtual Agent all you need to do is answer a few questions (between 3-16) and you’ll get a recommendation on the right type of policy for you. After that, you can go to my quote page to see specific plans within that policy type. Or you can call or text me for help in finding a specific plan that has everything you or your group needs and takes your providers. Call/text me at 317-296-8881 or 317-514-8696. Scroll to the bottom of the home page or click the logo on the left to use Virtual Agent now.
One of the benefits to being a local agent (and not being in a call center across the country somewhere) is the ability to meet in person. Meeting face to face allows you to see what you are purchasing clearly in front of you. We can go over benefits and answer any questions you might have right on the spot. I travel to my customers, whether you prefer to meet at Starbucks or your home, I’ll come to you. Just let me know where and when. I use Facebook scheduling for my appointments Click here to visit my Facebook scheduling page and while you are there make sure to like the page to stay up to date on changes and healthcare/financial news in Indiana.
It’s kind of like meeting in person, but from the comfort of your computer chair. Zoom uses technology to allow you to see my screen and me, while reviewing your options. Simply call or text ( 317-514-8696 or 317-296-8881 ) and let me know you’d like to do a Zoom meeting. I’ll give you a short passcode. You can then click the Zoom logo to the left where you’ll be taken to the virtual meeting room. Enter the passcode you were given and that’s it, we’re Zooming.
Here are the different types of health insurance plans and what you should note when seeking affordable health insurance for individuals and groups in Morgan County Indiana.
ACA plans
These are standard health insurance plans that are regulated according to the Affordable Care Act which was instituted in 2010. A wide variety of these plans are available in the Martinsville – Mooresville health insurance market and across the state. The features of these plans include the annual preventative checks at no cost. Providers of affordable health insurance plans that are ACA compliant are also required to cover essential services without lifetime caps. Young people from 26 and below can also be covered by their parents’ ACA plans. There are also tax subsidies for ACA health insurance for individuals and groups, based on income. ACA plans are comprehensive and cover a notable range of essential services for policyholders.
Short-term health insurance plans
These are plans that are suited to short-term use. If you have health issues, you should not buy short-time insurance plans for extended use, despite their affordability, because of their features. Insurance agents help to find affordable health insurance plans according to clients’ needs. The features of these plans include the limited coverage it offers. Affordable short-term health insurance plans are not suitable for persons with pre-existing conditions. The same applies to other unhealthy or unfit persons. Such persons require much more extensive coverage than these plans provide. You can opt for short-term plans if you need basic coverage for a short period before getting a more extensive plan. A strong selling point of these plans is their affordability as they have very cost-friendly premiums.
Indemnity plans
These are also quite different from standard plans. They also provide limited coverage. Offers for indemnity plans come with predetermined coverage for the different services and procedures. Thus, when the insured receives such services, they are paid the determined amount and not the full amount of the treatment cost. We should mention that the features of these plans make them unsuitable for full coverage. Indemnity plans are best used as complementary plans and not full coverage plans. These plans are also known for their cumbersome claim’s paperwork and the minimal preventative benefits they offer. They are often marketed as PPO plans because they do not require you to stay in a network.
Value-added benefits
These are the extras that come with the different affordable health insurance plans. They are typically in the form of healthcare-related services to improve lifestyle choices and access to healthcare services. Discounts on gym memberships are one of these services. Telemedicine is also commonly offered as value-added benefits. Telemedicine improves access to healthcare services as it can allow you to call your doctor and get medical services without being in the same location. Telemedicine is also offered as a full service by organizations and associations such as Medcard. With a Medcard monthly subscription of $12 to $20, a whole family can get telemedicine and numerous other perks.
Professionals network coverage
Accessing health insurance for individuals and groups may be limited to a professional network. This is a group of organizations and professionals that are affiliated with affordable health insurance plans. The insurance company may limit access to within this network. Some insurance companies also allow the insured to seek services outside the network but often at a higher cost.
Maternity benefits
The availability of maternity and pregnancy care should be considered when seeking affordable health insurance plans. The cost of these services is steadily increasing, and this has further emphasized the need to confirm their availability. You should note that these services are more readily available with Medicaid, ACA, and group plans.
Finding affordable health insurance for individuals and groups can be quite tricky. I want to help you find the most affordable health insurance plans that cater to your needs sufficiently. You contact me on 317-296-8881 to start the process.
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