Open Enrollment for 2018 has passed, and without a qualifying life event individuals can no longer apply for major medical insurance until open enrollment for 2019 (which will begin sometime in November  2018 and end either in December 2018 or January 2019).

 

If you have a qualifying life event and need to enroll for coverage, go to www.healthcare.gov.  

Telemedicine is not insurance, so for those with or without insurance this is a great option. It allows you to video chat or talk by phone directly with board-certified U.S. doctors 24/7/365 and receive treatment plans and prescriptions when needed.  You get an unlimited number of consults for you and your whole family.  The most amazing thing is the cost --- ONLY $29.95 per month for you and all your family members, and you can all set-up doctor consults as many times as you want throughout the year.  Plus, with a Prosper Benefits package, you get signiificant discounts on pharmacy, vision, dental, pet care, diabetic supplies, hearing aids, lab testing, and the list goes on.

 

Short Term Medical coverage is a good option for those who have missed open enrollment for the current year or need coverage for a limited period of time (for example between jobs, waiting for health coverage to begin, etc.).  It is important to note that Short Term major medical insurance is not ACA-compliant, and therefore, you are still subject to a tax penalty for not having ACA-compliant coverage.  Also Short Term medical does not cover pre-existing conditions.  However, the cost of Short Term medical is signicantly lower than traditional major medical coverage, and it works the same.

 

You customize your Short Term medical by choosing your deductible, co-insurance percentage, out of pocket maximums, etc.  Short Term medical is renewable every three (3) months.

Individual & family insurance

 

We can no longer assist with Individual and Family major medical insurance outside of open enrollment each year.  Open enrollment begins in November and ends in December or January each year for coverage effective January 1st.  At the end of 2017, the only options for Individual health coverage effective January 1, 2018 were Kaiser Permanente and Ambetter.  

 

We can assist indiviuals with the following coverages outside of open enrollment:

 

Short-Term Medical

Telemedicine

Ancillary: Dental, Vision, Life, & Disability

Supplemental Insurance:  cancer, hospital, critical illness, accident

Medicare Supplements

 

We work with most major carriers who specialize in ancillary and other benefits, and with all the major life insurance companies.

Medicare Supplements also known as Medigap policies can help pay some of the healthcare costs that Original Medicare doesn't cover like copays, coinsurance, and deductibles. 

 

 


Healthcare Bluebook is a pricing app that allows you to search in your area for certain medications or health procedures and receive a listing of prices at various providers.

 

Good Rx is recommended by physicians worldwide to find the lowest cost on prescription medications.

Ancillary products help round out your heathcare coverage needs. They include dental, vision, life, and disability

Ancillary products may be purchased as stand-alone plans or added to your healthcare coverage with your existing carrier.  Dental and vision are both low-cost ancillary products that can make a significant difference in your health.

Supplemental products such as Cancer policies, Hospital policies, Critical illness policies, etc. are a great add-on to your major medical.

Supplemental products help cover your out-of-pocket costs such as deductibles and coinsurance in case of cancer or other critical illness or hospitalization.

Better plan options and more choices.

 

Tax deductible as a company expense.

 

Competitive premiums.

 

Retain valuable employees.