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PPO Health Insurance for Pennsylvania by United Health Care

Health Insurance Plan for PennsylvaniaIf you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now 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.

United Healthcare Plans for Pennsylvania, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

National General Health Insurance Plans

National General Accident and Health is a branch of the National General Holdings Corporation. It focuses on providing short term and supplemental health coverage. All National General health insurance products are underwritten by four other companies focused on insurance. All four of those companies are permitted to provide health insurance in all of the states and the District of Colombia. The underwritten companies are each responsible for the product the company is associated with.

National General Accident and Health has five products available to customers. The first is Short Term Medical, which is temporary insurance. The next product is Supplemental Insurance, which is for unpredictable medical expenses. National General Accident and Health also provides Dental Insurance. Fixed-Medical Benefit is a product that offers set benefits on medical expenses. Finally, National General Accident and Health offers Medicare Supplement Insurance.

Short Term Medical

Short Term Medical insurance is designed to be an affordable insurance policy. The plan will provide financial protection for medical bills and other expenses related to health care. The plan will cover doctor visits, hospital stays, lab, x-rays, medical equipment, surgeries, etc. The Short Term Medical plan also covers emergency room visits and ambulance rides. Urgent care benefits are included in the plan and most plans cover Urgent Care with a $50 Copay.

Get a Quote On Short Term Health Insurance.

The Short Term Medical Plan includes a wide variety of deductible and coinsurance choices to help settle upon a plan that best fits a budget. Coverage can be provided as soon as the next day, so there is not a long period between application and effective date. The plan will also allow a physician to be chosen through the national Aetna Open Choice PPO Network.

It is important to remember that this plan is designed to be short term, but healthy consumers often buy this coverage and their primary health insurance. There is also no guarantee that everyone will be eligible for this plan, as there is underwriting and pre-existing is not covered on temporary health insurance plans.

Supplemental Insurance

The Supplemental Insurance Plan is designed for unforeseen medical issues. For example, a sudden onset and diagnosis of a critical condition would be included with supplemental insurance. There are no network limitations on doctors, so people are free to choose any physician they like and cash benefits are paid to the insured. There are many different options to choose from, so a plan can be created for any budget.

Accident plans are available to cover accidental medical expenses, such as a broken bone. The Accident plans provides coverage for unexpected expenses related to accidental injuries, such as broken bones, cuts, sprains, etc. Some plans also offer coverage for accidental death and dismemberment. The Accident Fixed-Benefit plan is effective immediately and provides a cash payment to the insured person to help make up for unexpected medical expenses.

Hospitalization Sickness coverage is another possible supplemental plan. This plan helps cover hospitalization and related costs. It helps people keep financial stability whether because of deductibles or because of primary insurance having high deductibles. This coverage will pay cash directly to the insured to help with costs, allowing a person to use the money in a way that benefits them the most.

There are also Critical Illness plans. These plans are designed to help pay for treatments related to acute illnesses, or simply a cash benefit to the insured to help make ends meet while they are ill. The Cancer and Heart/Stroke plan gives a cash benefit to a person when first diagnosed with cancer, heart attack, or stroke, and it can be used in any way deemed necessary by the ill person. The Critical Illness – Term Life plan functions identically to the Cancer and Heart/Stroke plan, but it extends coverage a whole family rather than an individual.

The final supplemental plan offered is the Multi-Coverage Out-of-Pocket plan. Included here is the TrioMed plan, which provides supplemental insurance for the previous three types of coverage. It provides coverage for accidents, hospitalization, and critical illness. A plan enhancer can also be purchased. The enhancer provides a larger benefit.

Get a Quote On Short Term Health Insurance.

As these plans are supplemental, it is important to remember that they do have limited benefits. The Supplemental Insurance plans are not meant to replace primary health insurance. The availability of coverage does change state to state, so it is important to remember that as well. These products are priced very well and are very popular with consumers.

Dental Insurance

National General Accident and Health offers two different dental insurance plans. Both plans provide access to the Careington Maximum Care Dental Network. Understanding these plans is important because dental health affects the health of the rest of the body. Dental insurance can help to keep dental health ventures affordable.

The Dental PPO plan offers an average of 40% reduced rates on dental. It includes three benefit levels, so it is easier to find a plan that fits one’s budget. This plan also has no waiting period for preventive care, so the needed coverage can be received almost immediately. The plan also provides discounts for all major and basic dental services.

The Dental Indemnity plan works differently than the Dental PPO plan. The Dental Indemnity plan will pay a cash benefit for dental checkups and treatments. Since this helps to catch small dental issues before they become large expenses, this plan mostly focuses on preventive care. There is the option to add a discount of around 42% to the plan, and there are no waiting periods. The Dental Indemnity plan does have a higher out-of-pocket expense for customers.

Fixed-Benefit Medical

The goal of this plan is to rethink health insurance. Most health insurance plans are expensive, and copays and deductibles tend to get in the way of any benefits being usable. Rather than being waited down with deductibles and copays, customers are paid a set dollar amount on covered health care services. This helps the insured come up with money to pay their deductibles and copays. This plan plan also has a network of providers to choose from to access lower rates.

The plan comes with some other perks. When in-network providers are visited, there are discounts available for covered health care services. Health care is more easily attainable because there are no waiting periods and the benefits are easy to use. The plan will also give access to telemedicine and discounts on prescriptions.

The Fixed-Benefit Medical insurance plan is easy to use. All customers must do is present the insurance card at check-in. From there, the in-network health care provider will inform the insurance company what services were given to the patient, without the need of claim forms. The customer pays the remaining medical expenses once network discounts and benefits have been deducted.

Medicare Supplement

The Medicare Supplement plan is designed to provide supplements for costs that may not be covered by Medicare Parts A and B. The plan provides a way to pay for unexpected health care costs without having to dig too deeply into savings. With this plan, set percentages are paid on covered on Medicare services. The deductibles and copays vary from plan to plan.

The plan provides some advantages. There are no network restrictions other than the doctors accepting Medicare, and no referrals needed for visits to specialists. For those living with a spouse, then the customer is eligible for a 7% discount on the premium for the household. There is a 30-day trial period, so if a customer dislikes the plan and returns it within that time period, the customer will be reimbursed any paid premiums.

The plan renews automatically and the premium increases or decreases along with Medicare deductibles and coinsurance. There is no waiting period, so a person is eligible to receive benefits the moment the plan goes into effect. Finally, there is no paperwork associated with filing a  claim, the insurance card just must be shown to the health care provider and Medicare benefits are paid directly to the provider.

National General Accident and Health

National General Accident and Health has a variety of insurance products. This allows people to choose what is best for their health care needs. The company also provides many different payment options for its products, so a plan can be selected to fit many budgets. National General Accident and Health offers affordable insurance in the short-term, the long-term, and for teeth. Plans to supplement outside insurance are also available at affordable prices.

The Best Dental Insurance Plans Available

The Best Dental Insurance Policies
Finding a good health insurance plan is essential in keeping up with one’s physical health. It keeps the cost to the patient at a somewhat affordable level and may even help find a better group of doctors who provide amazing care. The same can be said for dental care. Finding good dental insurance is critical to keeping teeth healthy. As such, it is good to know some of the dental insurance policies available.

United Healthcare

United Healthcare dental policies focus on common, major, and emergency dental procedures. Preventive care is something like a fluoride treatment and is without a waiting period or a deductible.

United Healthcare policies cover more basic dental services as well as major procedures like a root canal, but this depends on the plans deductible and waiting period. United Healthcare offers more than 400,000 dentists, and no claim forms are needed since in-network dentists get direct payment.

There are no age restrictions on dental insurance with United Healthcare, so everyone in a family can be covered. United Healthcare offers different plans, with different benefits. Each plan can be customized to best fit the person purchasing it. There are tools provided by United Healthcare that will help plan and budget for dental work.

Humana

Humana is another insurance company that provides individual and family dental health insurance. Humana has a significant amount of dental insurance plans, all of which are affected by many factors. For example, age, gender, and dental needs can all affect the type of plan that is best for a certain individual.

Humana has plans that differ in benefits. Some plans have a higher premium, monthly payment, than others. Differing plans also have differing co-pays and deductibles, both of which are paid by the patient. Certain plans provide discounts, so the patient would pay the dentist directly at a discounted price. Again, Humana does not have an age limit.

Ameritas

Ameritas, like Humana and United Healthcare, is another company that offers dental insurance. Ameritas has no age restrictions for its dental policies, and Ameritas allows next day effective dates to begin coverage.

Ameritas has no co-pays for preventive dental care, and these preventive care benefits are more expansive when using an in-network dentist. The network includes over 382,000 dentists, which reduces the amount of paperwork. Ameritas has a resourceful customer support team that is always available to answer questions and resolve problems.

Ameritas offers plans for individuals beginning as low as $19 a month for the most basic coverage in some states. The most expensive monthly individual plan is $35 a month, and it covers preventive care, restorative care, and orthodontic work. Plan premiums begin to change as more people are added, but Ameritas provides a wide enough variety that everyone should be able to find coverage.

Also see GPM Dental which uses Ameritas PPO Network.

Aetna

Aetna is an insurance company that offers real insurance but like to market its dental discount plans. While not the same as insurance, the discount card will provide a some decrease in the cost of dental procedures for in-network dentists. For an individual, the cheapest discount plan is $7.99 per month, and, for a family, the cheapest discount plan is $10.99. For both, the initial cost is $15. We do not recommend these plans as they are not real insurance….

The discount has a network of dentists achieving more than 200,000 dentists across the United States. Most procedures will see a 15-50% discount through any of the available dental discount plans. Dental specialists accept the discount plans too. Some of the available discount plans offer discounts for vision and hearing care as well as dental care.

The dental discount plans are not as flexible as plans from Ameritas or United Healthcare, but they are still useful. The discounts may be enough for someone who cannot afford full-coverage or for someone who does not want to pay for full-coverage.

The Government

When using the Health Insurance Marketplace, it is possible to purchase dental insurance through the government. To get a dental plan through the Marketplace, a person must be purchasing a health plan as well. Some of the plans in the Marketplace come with dental insurance, which will be shown when comparing the plans. The coverage has low limits and it needs to be purchased with an SEP or during Open Enrollment…..it is not a very good product, certainly not the best dental insurance….

Sometimes, there are dental plans available that are stand-alone. They are not a part of health insurance plans, but they must still be bought at the same time as health insurance is bought. This also means that there will be two monthly premiums that must be paid. Some plans offer high deductibles and low premiums, while others offer low deductibles and high premiums.Dental insurance is considered a necessary benefit for children. Children must be offered dental insurance, whether it is through a stand-alone plan or mixed with a health plan. For adults, dental insurance is not considered necessary. Insurers are not required to provide or even offer a dental insurance plan to adults.

Conclusion

Insurance can seem like a complicated beast, but all it takes is some time to understand it. Finding the right plan for a family or individual can save more money in the end since waiting for a dental disaster can be expensive.

IHC Temporary Health Insurance Plan Overview

IHC Health Insurance has become one of many companies to surface over the last few years. IHC does not partake in any ACA qualified plans and focuses on consumer driven health products, such as Temporary Health Insurance. Many states allow clients to purchase back-to-back temporary policies. Many consumers have chosen this option as their preferred option for coverage. This is mostly due to the affordability of these policies and the flexibility of use.

This site works with a multitude of temporary and short term medical providers. We recommend filling out a quote form so shoppers can see the best selling plans in their area.

Temporary Health Insurance Options

IHC currently has two options for short term medical coverage. First we will discuss the Connect 2.0 plan which is the more affordable of the two options. The goal is to obtain affordable coverage and not worry about gaps in coverage while you’re between health care plans. Here are the most common reasons to buy a temporary policy.

Missed open enrollment: If you have missed the opportunity to Connect coverage during the open enrollment period, you may be ineligible to buy a major medical policy until the next open enrollment period, unless you have a qualifying event. No need to worry, we got you covered!

Waiting for an ACA plan to start: Many plans on the Health Insurance Marketplace are extremely expensive and offer only one effective
date, the first of the month. Depending on when you submit your application, and how long it takes you to prove qualifying for a SEP, Special Enrollment Period, you may have to wait up to 45 days for your coverage to begin. Often that is a best case scenario and sometimes it can take up to several months, or many consumers report having to wait until the next January 1st for coverage to begin.

Newly Hired: Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin. No need to worry, we got you covered!

Filling the Gap: Coverage can begin as early as the day following your online application, if approved, and last up to 90 days. AND many states offer instant re-apply to obtain longer lengths of coverage.

Unique Plan Benefits

$50 Office Visit Copay: The copay applies to the first covered office visit during the policy period. After the copay, the balance of the
doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.

Deductible Options, You Decide: $1,000 | $1,800 | $2,500 | $5,000 | $10,000

The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three individual deductible amounts per a policy term.

Coinsurance Percentages: a variety of coinsurance percentages including 20%, 30%, and 50% – You decide.

Out-of-Pocket Limits: $1,000 – $10,000 – You decide

Maximum Benefit per Term: $2,000,000

Check the rates on Short Term Health Insurance.

 

Covered expenses: includes treatments, services and supplies for:

  • Physician services for treatment and diagnosis
  • X-ray exams, laboratory tests and analysis
  • Mammography, Pap smear and prostate antigen test
  • Emergency room, outpatient hospital surgery or ambulatory surgical center
  • Surgeon services in the hospital or ambulatory surgical center
  • Services when a doctor administers anesthetics up to 20 percent of the primary
    surgeon’s covered charges
  • Assistant surgeon services up to 20 percent of the primary surgeon’s covered charges
  • Surgeon’s assistant services up to 15 percent of the primary surgeon’s covered charges
  • Ground ambulance services up to $500 per occurrence
  • Air ambulance services up to $1,000 per occurrence
  • Organ, tissue, or bone marrow transplants up to $150,000 per coverage period
  • Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 per coverage period
  • Blood or blood plasma and their administration, if not replaced
  • Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and
    chemotherapy services and equipment rental

Inpatient covered expenses:

  • Hospital room and board, doctor visits and general nursing care up to the amount billed for a semi-private room or 90 percent of the private room billed amount
  • Intensive care or specialized care unit up to three times the amount billed for a semiprivate room or three times 90 percent the private room billed amount
  • Prescription drugs administered while hospital confined

Pre-existing Condition: Connect 2.0 will not provide benefits for any loss caused by or resulting from a pre-existing
condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of
coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. (Notice Plan Option 2, Connect Plus (see below) does have a higher level of coverage for pre-existing).
Usual and reasonable charge: The usual and reasonable charge for medical services or supplies is the lesser of: a) the amount usually charged by the provider for the service or supply given; or b) the average charged for the service or supply in the locality in which it is received.
With respect to the treatment of medical services, usual and reasonable means treatment that is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as usual and reasonable,
we may use and subscribe to a industry reference source that collects data and makes it available to its member companies.

Continuing Coverage: If your need for temporary health insurance continues, most states allow you to apply for another short-term medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. It is best to fill out a quote and shop all available options and speak with an agent to get the best plan for you.

Connect Plus – Temporary Health Insurance with a limited benefit for pre-existing conditions. Providing peace of mind during times of transition.

Connect Plus is a short-term medical (STM) insurance plan with a limited benefit for pre-existing conditions. STM, sometimes called short-term medical limited duration insurance, is designed to provide coverage during transitions or gaps in major medical coverage. Most STM plans do not cover healthcare expenses for pre-existing medical conditions. Connect Plus provides a benefit up to a maximum of $25,000 for eligible pre-existing healthcare expenses. This policy is a step above the standard Connect 2.0 policy explained above.

Why Short Term Health Insurance?
Short Term Health Insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, these temporary health plans pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but do not include maternity care or outpatient prescription drugs. Learn more about Short Term Health Insurance.

An IHC Health Insurance Plan may be right for you if you:

  • Have missed the open enrollment period and aren’t eligible for special enrollment under the Affordable Care Act (ACA)
  • Are waiting for your ACA coverage to start
  • Are waiting for health insurance benefits to begin at a new job
  • Are looking for coverage to bridge you to Medicare
  • Are turning 26 and coming off your parent’s insurance
  • Are losing coverage following a divorce
  • Are needing an alternative to COBRA
  • Are healthy and under age 65

Customize Your Plan: Select from various benefit levels which best meet your coverage and premium needs. You can also include other supplemental coverage such as dental or a discount prescription drug program to obtain additional coverage.

Quick and Convenient: Coverage can begin as early as the day following your online application. The underwriting process is simple and policy fulfillment, including claims and ID cards, are available online.

Cost Effective: Temporary health insurance plans are affordable. While short term medical does contain limitations when compared
to traditional major medical plans, the premium is generally lower.

You may want to keep the following in mind as you plan for your needs and
explore your options:

  • IHC plans do not meet the Minimum Essential Coverage requirements under the ACA and may result in a tax penalty. Temporary plans are designed to provide temporary healthcare insurance during unexpected coverage gaps.
  • The ACA-compliant medical plans are guaranteed issue, meaning you cannot be denied coverage based on your health history. These plans are underwritten, which means you must answer a series of medical questions when applying for
    coverage. Based on your answers, you may be declined for coverage.
  • Unlike the ACA plans, which are required to cover the 10 Essential Health Benefits (EHB), These IHC plans cover some EHBs but not necessarily all. Plans will vary in what they cover, so you should check your plan details carefully.

IHC Plans are not Affordable Care Act (Obamacare) Plans
IHC plans do not meet ACA standards. The ACA is a Federal law that requires all major medical plans to provide specific benefits and mandates that most Americans have health plans that qualify as Minimum Essential Coverage (MEC). These rules do not apply to IHC plans.

Pre-existing Condition – How it works

Unlike most temporary health plans, Connect Plus provides a benefit for eligible preexisting conditions. The plan provides up to a maximum of $25,000 for eligible medical expenses for a pre-existing condition, per person, per policy. After the $25,000 maximum has been reached, expenses due to pre-existing conditions are not covered. The definition of a preexisting condition is listed below:

Pre-existing Condition:
A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. This period of time may vary by state.

Utilize a network provider and save
With your plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs. At the time of service, simply present your identification card which will include
the network information needed for the provider to correctly process covered billed charges.

Continuation of Coverage: If your need for temporary health insurance continues, most states allow you to
apply for another IHC plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. Note that based on your state, you may be limited to two or three consecutive terms only.

Is Temporary Health Insurance the Right Choice for Me?

It is recommended to get a short term medical insurance quote on this site, so you can see a multitude of options. Then it is advised to speak with one of our licensed agents so you may ask questions and review products. Products vary greatly from state to state and an agent can help explain what is unique about your state. Since the start of the ACA, temporary health insurance plans have become more and more popular.

Aetna Dental Insurance with Added Vision and Hearing

Aetna Dental, Vision, and Hearing offers valuable protection by including three types of coverage in one policy. Aetna is trying to help your family smile bigger and brighter, protect healthy vision to see clearer, and hear the world just that much better.

Plan Features

  • Guaranteed Acceptance – No Health Questions
  • Guaranteed Renewable – as long as you pay your premiums on time
  • Issue ages 0-89
  • For individuals or families
  • Choose $1,000 or $1,500 max benefit per policy year that covers dental, vision, and hearing per person
  • Plan deductible is $100 per policy year per a person
  • Freedom to choose any provider or get even better pricing by using Aetna in-network providers
  • Benefits paid directly to insured or to the provider
  • 30-day free look – return your policy for any reason within 30 days for a full refund of all premiums paid

When does my Aetna Coverage Begin?

  • Dental Coverage
    • Day 1 for cleanings, x-rays, exams, filings
    • After 1 year for endodontics, root canals, periodontal surgery, bridges, crowns, and dentures
  • Vision Coverage
    • After 6 months
  • Hearing Coverage
    • After 12 months

 

See a Comparable Plans through Central United Life or Mutual of Omaha.

Golden Rule Health Insurance Plans

Golden Rule Insurance CompanyGolden Rule is owned by United Healthcare, one of the largest health insurers in the U.S. Over 26 million Americans are insured by United Healthcare and over 770,000 providers belong to their PPO network. Golden Rule Insurance Company has provided individual and family health insurance for over 60 years. Today Golden Rule markets its individual insurance products under the brand names United Healthcare or UnitedHealthOne. These plans are very popular for people who do NOT want Obamacare.

Golden Rule Insurance

Golden Rule Insurance offered private health insurance. The portfolio includes:

    • The new Health ProtectorGuard – A permanent plan option for Doctor and Hospital Coverage
    • Short Term Medical – Fill the Gaps between open enrollment
    • Dental and Vision Insurance – The policy you’ll love, affordable and excellent coverage
    • Critical illness – Cancer, Heart Attack, Stroke – Money when you need it most
    • Disability Income – Protect you Income!
    • Accident Coverage – A must for families, 1st dollar coverage
    • Fixed-indemnity – Extra Hospital Coverage to protect against ACA / Obamacare pitfalls

    Golden Rule Health Insurance Quotes

    Obtain your quote on Golden Rule Insurance Products

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    A History of Golden Rule Insurance

    Golden Rule Insurance’s claim to fame was the Choice Plus PPO Network and the Copay Select Plan with decreasing deductible. Sadly, these products are no longer allowed to be offered under the Affordable Care Act, but hundreds of thousands of Americans still have grandfathered policies. If you are one of these lucky Americans then you have saved tens of thousands of dollars, by not having to buy Obamacare coverage.

    Golden Rule InsuranceThe HSA (health savings account) was originally developed through Golden Rule Insurance Company. The HSA has long been popular for the self-employed such as accountants, realtors, and financial professionals. Many health insurance agents still have grandfathered Golden Rule HSA for their own personal coverage.

    Why Choose Golden Rule Insurance?

  • Golden Rule has multiple individual and family health insurance products to help provide a variety of options for coverage.
  • Some of the strongest health care networks in the U.S.
  • Simple online tools to quickly and easily manage your policy, view claims, and print temporary ID cards.
  • Golden Rule Insurance Company is rated “A” (Excellent) by A.M. Best (8/3/2017) for financial strength and stability.
  • Golden Rule Insurance offers a diverse portfolio of affordable plans that are consumer driven.
  • One stop shopping for health insurance products.

Texas Obamacare Review

This is a letter from one of our health insurance clients, we though we would share this information

Obamacare is something that seems like a great idea, although the results have not been the best. I have a fairly unique perspective on the Affordable Care Act, based on the fact that I have experienced this from a variety of angles. I was originally on my parents health insurance plan, as you can remain on this type of plan well into adulthood. This plan was fairly expensive, but the overall quality of health insurance was absolutely top notch. I found myself in my twenties and having very little income, while having to rely on food stamps. I applied for MarketPlace Health Insurance, which is the platform to get health insurance in the state of Texas.

Based on the income that I was making at the time, I was only qualified for Medicaid, which is a program for health insurance that is at the bottom end. There were not really any options to select, but it all was essentially free. I ended up making a doctor appointment and when I got to the medical office it appeared more like a homeless shelter than a medical facility. The wait time to see a doctor was incredibly long, the service was terrible and the overall quality of health insurance was dismal. The only benefit I perceived in this Medicaid system was potentially being able to receive coverage in a hospital if I was in some sort of emergency. This system did not appear to work at all, based solely on the fact that the volume of people crowding into these medical offices were huge.

Since that time my income has increased to the point that I am qualified to purchase a plan through the state network. I got referred to www.QuoteFinder.Org from my friend and I purchased an Obamacare plan that I had the last few years and could not be happier with my plan. My insurance was very affordable each month, based on the fact that there is a subsidy that is attributed to my plan each month. This lowers the actual cost, allowing me to pay my bills, yet at the same time have access to a top notch medical network. My plan was originally around thirty dollars per month. The overall quality of my insurance has not changed since I’ve been on the plan. The main concern that I have had with the Affordable Care Act is the fact that you need to be able to make a certain amount of money in order to receive a legit plan. The reality is, if you are making under twelve thousand dollars, you are inevitably going to have a plan that is low quality. If you make over that amount, you have access to a plan that is going to provide a great level of protection for yourself and your family.

Now, here is my problem for 2018. I got a raise and my plan has gone up to $487 a month to have the same good level of coverage. So now in 2018 I am being punished for making too much money (it’s really not that much money at all). I called my agent and we reviewed some non-compliant policies. So now I pay $118.00 a month for short term health insurance and I don’t have Obamacare. That was the only way I could stay insured, have a low deductible and still get to see my doctor, which I hardly ever go anyways.

At this point, I guess I am happy with my medical insurance, although my country and government does not understand as American’s we all need to have access to the same level of coverage. It is unacceptable for people to solely base a plan availability on meeting a random set of income requirements.

If you are interested in Short Term Medical, learn more here.

NC PPO Health Insurance – United Healthcare Private Insurance

United Healthcare Offers PPO Health Insurance in NCIf you live in North Carolina you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now 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.

United Healthcare Plans for North Carolina, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Short Term Medical Insurance Quote

Short Term Medical is an easy way to obtain coverage from tomorrow until the end of 2018. The policies are sold month-to-month and are far more affordable than Obamacare or employer coverage. Get your Short Term Medical quotes here.

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Be sure to visit our Short Term Health Insurance page for more information.

Maryland Health Insurance in 2018 – United Healthcare PPO

If you live in Maryland you will be happy to know that New Plans are available for 2018. United Healthcare is now offering private fixed indemnity coverage: Health Protector Guard. 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.

United Healthcare Plans for Maryland, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points: