Archive for Month: November 2018

Private Aetna PPO by National General Health Insurance Company

If you are shopping for Private Health Insurance be sure to check our Aetna PPO plans being offered by National General Insurance Company. These are affordable Association Plans that are offered in 12 month increments in most states, but not all states. This is a private policy that can be purchased by individuals or families who are under the age of 65.

Key Points:

  • Aetna Open Choice PPO Network – 664,000 participating providers
  • 12 Month Policies available in Most States
  • $1 Million Dollar Limits Available
  • $50 Co-Pays On Urgent Care
  • Choose Your Deductible:  $1,000 | $2,500 | $5,000

Your first step is to view rates is to obtain an online quote.

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The Aetna Open Choice PPO  Network plans by National General Insurance Company are most popular for these shoppers.

  • Healthy shoppers who want basic coverage
  • Consumers who are not eligible for Obamacare/ACA Subsidy
  • Students looks for an affordable option
  • Early Retires who cannot afford ACA coverage
  • 26 year old’s who are dropped from their Parent’s policy

URGENT CARE is a popular benefit on these plans. An urgent care facility is a medical facility providing immediate, non-routine urgent care for an injury or sickness treated on a walk-in basis. This policy provides you with unlimited visit for a $50 copay. Your medical deductible is waived and remaining expenses are applied to co-insurance. This is a popular benefit and thousands of Urgent Care facilities participate with Aetna Open Choice PPO.

Since these policies are private policies. They do require a basic health questionnaire. The questions mostly focus around pre-existing conditions including but not limited to cancer, heart attack, stroke, diabetes, COPD, drug or alcohol abuse, etc. Furthermore people who are currently in the middle of care would most likely to best to buy an ACA/Obamacare plans. The reason is because private policies, such as these, do not cover pre-existing conditions. Pre-existing conditions are referred to as conditions for which medical advice, diagnosis, care, or treatment (including services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received within the 12 months immediately preceding the effective date, unless a lesser period is required by state regulation.

This coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
Also, this coverage is not “minimum essential coverage”. If you don’t have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. For 2019 the tax penalty goes away. Mandated ACA compliant coverage is not required starting January 1st 2019.

Fill out the information below to learn more about plans rates and to see if this is a good options for your 2019 health insurance policy.

PPO Health Insurance for Pennsylvania

Health Insurance Plan for PennsylvaniaIf you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2019. Many large name carriers are offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

Health Insurance Plans for Pennsylvania, Not Obamacare

Here are some key points: