Welcome  To  OBAMACARE  2016!
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      Aiken Health Insurance - Brokers & Consultants 
   Helping  Aiken  County with Health  Insurance since 2004 

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What we offer:

 Private Carrier ACA "Obamacare" PPO Plans

Alternative Non-Obamacare
Health Insurance Strategies from
Major A+ Rated Carriers

 NEW Obamacare Expense GAP Coverage Plans

12 month "Short Term" plans!!

Solid Nationwide Plans including:

Unlimited PPO Medical Plans

Guaranteed Issue Plans

Small Group Plans

Medicare Supplement Plans all year!

Critical Illness

Short Term 80/20's

Accident Disability Plans

Life - Term

Whole Life and Final Expense


Cancer Plans



Rx Plans

Discount Lab
and more!

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         "The Only Thing That Is CONSTANT Is CHANGE"

Here  comes  the  2016  "Obamacare Open Enrollment"  Plans and with them new changes to your coverage - your options and your costs.

First thing to know is that nationwide  "PPO network plans"  no longer exist with Obamacare coverage in  SC  -  Obamacare plans now only offers you the option of  a  "EPO - Exclusive Provider Network" or a "HMO - Health Maintenance Organization" plan

The biggest difference between a HMO and a EPO is that with a HMO you MUST immediately choose a PCP - Primary Care Physician - from their specific HMO network of Dr's in THAT specific network prior to coverage approval  - and if you do not have one who happens to be in that plan or regional area the insurance company will choose one for you.  

That PCP  Dr is the main gatekeeper for all your medical care.   They are who you must FIRST see for all coverage (except female vists)  and they must be consulted for ANYTHING medically you have done and they MUST  Pre- Authorize  any medical attention you receive.    Furthermore  all medical attention MUST  be done by a HMO Dr /hospital/imaging center/anesthesiologist or Lab in that specific HMO network as well or it will not be covered.
Need to go to the ER?   If you do NOT take a ambulance to get to the ER - regardless of reason NONE of that ER visit will be covered !!  

That point is very important to understand
upfront with a HMO plan because it applies to both and out of network ER room visits!

With a EPO you do NOT have to have a PCP - Primary Care Physician  - to pre -authorize your medical care nor do you have to have a referral at all - BUT - all care - regardless of the reason for it - MUST be in  THAT specific EPO network or NONE of it will be covered and NONE of your  "out of pocket costs"  for a out of network claim will go toward your deductible.   If you have a emergency outside of the EPO network it does not matter if you use and ambulance to go to the ER or not - it is NOT covered at all if it is out of network!    Many EPO plans are  "state specific"  so you absolutely must know where your network is at all times

At this time you only have 3 choices in SC for 2016 - UnitedHealth HMO - Blue Cross/Blue Shield EPO plans and Consumer's Choice EPO plans.

  In 2016  Aiken Health will only offer "Obamacare ACA plans" Non-Subsidized Private Coverage  thru UnitedHealth  to anyone who needs or wants a  "Obamacare"  plan -   but we will NOT deal with any  "subsidized"  plans   - you can go to healthcare.gov to select and apply for them yourself  - we will not deal with the IRS this year - that you must do yourself 

We will also once again offer new NON-Obamacare PPO plans which are sweeping the nation - rich with benefits &  affordable coverage that will protect you from unexpected illness or accident claims. 

Nationwide PPO coverage with EZ enrollment - offering you HUGE coverage at a FRACTION of the cost of a monthly a Obamacare premium - IF you can qualify.

We can help you today!       

There are only  3  types  of  Individual  Health  Insurance now:

"Federal Exchange"  Obamacare HMO and /or EPO coverage applied for on the Federal Exchange =  subject to IRS verification of your job - your total family income and your previously filed tax returns - Immediately covers all current medical conditions regardless of your health and IF your income is less than the "Federal Poverty Level" per the IRS guidelines then they help you pay your premium - too much  - no help - too little - NO help either!

2)      "Off  Exchange"   Direct from Carrier ACA coverage issued  directly to you   from a PRIVATE ACA compliant plan  - No subsidy - cost of full bore premium BUT  -  there is no proof of income required  
 -  full ACA "pre-ex conditions  covered"  coverage - only 3 questions to get immediate coverage and we can help you with that coverage and pick a local PCP with you as well

"No Exchange"   PRIVATE  Non-Obamacare Health Insurance Plans - nationwide coverage Alternative  Coverage PPO plans  NOT subject to the Health Bill  which also offer a "optional"  component which can completely EXEMPT  YOU from a "TAX FINE"   if a   "2017 tax fine" worries you

We are EXPERTS in "Alternative  Insurance Strategies" and have researched to offer you only the BEST and most affordable PPO plans offered by AA+ Major Carriers designed to give YOU a option of  coverage for "unexpected" medical claims - offering extensive inpatient hospitalization and outpatient medical benefits including Dr office visits, ER,  Rx, wellness, inpatient as well as outpatient surgery,  Lab, diagnostics, ambulatory care services, ambulance and urgent care - giving you all the coverage you need - and none of the excess "mandates"  you do NOT want or need  - backed by Major Carriers for people who want
solid independent and affordable  private PPO  coverage 
with NO HMO restrictions and in many cases NO DEDUCTIBLE to have to meet first  - OR a deductible which is only connected to a "catastrophic hospitalization" or Major Surgery event 



Aiken Health is a Federally Certified Agent    We are Certified  by the Federal government to sell  "On" and "OFF"  the Federal Exchange and we  know the architecture of ObamaCare inside and out.  

We want you to be aware of  ALL the available options on the market today  so you can choose what is best for you!

DID YOU KNOW:       You can negotiate your out of pocket costs for any medical procedure upfront by KNOWING what the "Fair Market Value" cost of that procedure upfront?

Go to:   www.healthcarebluebook.com    and look up any procedure nationwide - do NOT let a third party decide what YOU will pay anymore    EMPOWER yourself and only pay the "true market value" of any procedure!                       Knowledge  is  POWER

                   Other Products Positioned to Save you Money:

Dental?  Do we have  DENTAL & VISION?
Only the BEST - pays up to $3,500 a year and includes 3 free cleanings and 2 free exams a year plus -  NO waiting DENTAL for Major services - dentists all over the CSRA are in the 2 Dental PPO networks they use - LOW monthly rates!

Guarantee Acceptance Life Insurance - up to $170k - regardless of your health!  Diabetic?  Heart Attack?  Cancer?  COPD?  NO PROBLEM!
New TERM Life product - from ages 18 - 69 - keep it to age 99 - all you need is to be working at least 20 hours a week - even if self employed - low premiums!

      No Health Questions At ALL - none!  100% approved coverage

Term LIVING Insurance plans:

Life Insurance from  $50k to $5 million  - these plans pay you 50% of the total value UPFRONT if you develop a Critical Illness  (heart attack - stroke - cancer - multi - trauma accident - ALS - and 10 other triggers)  for you to use however you want - medical costs - mortgage - bills - take a trip - whatever you want - with NO premium increases - for LESS than Major Medical - example - on a $1 million plan YOU will receive $500k  upfront tax free and the other $500k remains as a Term Life plan for your family - if a heart attack costs only $50k  you STILL get the entire 50% - of $500k  paid tax free - in cash-  upfront!

Excess  Accident Benefits :   Plans that cover so much more than just a "accident" - pays benefits up to $25,000  for things as diverse as Adverse Insect Bite reactions - Chocking - Emergency treatment, diagnostic exams, Coma events, Ambulance, blood plasma/Platelets, ambulance, burns, emergency dental,  eye injury, Paralysis, durable medial equipment, follow up treatment, Prosthesis, Rehabilitation, Physical Therapy, Accidental death (up to $100,000) and so much MORE - premiums are in the $17.00 - $45.00 range! 

 Chemo/Radiation and Heart Attack excess plans: 
Pays up to $50,000 Cash to you  for First Diagnosis of any Cancer or Heart issue - add it to a Plan or just have it for the "What if" for your mortgage - bills and recovery - premiums begin in the $30 per month range! $25k - $30k or $40k too

FirstChoice GAP Plans:
Pays in addition to any plan you have - CASH directly to you to use as you wish - $2,500 - $5,000  paid  for your first admission to the Hospital - $50 for a Dr visit paid 2x a year - $200 a day while confined - another $2,000 if you ever have a outpatient surgery and $250 for every accident ER visit  - let this pay your DEDUCTIBLE for you!     Premiums begin at only $23.57! 

Aiken Health is the CSRA's ONE STOP - ONE CALL Connection

Aiken Health Insurance Co.
     Call for a Custom Quote Today!!

                              Licensed in SC  and GA

    http://www.rxcut.com   -   Get our FREE card NOW!
      Ask anyone - THIS card cuts Rx cost to a  fraction!

www.wellcardsavings.com - GREAT free card that helps with Rx - Lab work - dental - viosn and so much more

Plans are Underwritten by Manhattan Life Insurance Company,  Standard Life and Accident, ANTEX, Central United Life Insurance Company,  ASSURANT, GTL, UnitedHealth, Comprehensive Insurance & Wholesale Benefits Association, CIGNA, Standard Security Life,  New Era Life, Philadelphia American, HCCMIS & LLOYD'S OF LONDON, CIGNA, TIME, ABA, Colonial and C.H.M. enrollment + many more.

 Please review your insurance contract for specific details - exclusions and limitations may vary from product to product - each company's policies are subject to change without notice - all products have a 10  - 30 day 100% money back "Free Look" with initial premium 100% refunded if you change your mind within the "free look" period time frame = many have additional benefits included in their "Association" memberships 

Don't Wait - Call Me today!

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