Obamacare enrollment ends in March
Need New Health Insurance?
Did you discover the Federal Exchange Obamacare has NO participants within a 50 mile radius of home?
Need a DIFFERENT coverage option?
Are you wondering what to do after the door is closed?
WE HAVE GREAT NEWS!
If you are LOOKING for NEW Health Insurance
Then why not have AFFORDABLE Health Insurance?
How do you know what to buy - what is available - what is affordable?Let us show you the NEW options that are available - All Year LONG!
As of January 2014 there are only 3 types of Health Insurance:
1) "On Exchange" Obamacare HMO coverage applied for on the Federal Exchange thru the IRS. You may get a "subsidy" from the government to help pay for the monthy premium - Subsidies are NOT Permanent and will be adjusted each year. Subsidies do not help with deductibles and and co-pays that are all out of pocket. Obamacare is a strict HMO so ALL medical attention MUST be in the very specific HMO network of that very specific carrier for a claims to be paid.
2) "Off Exchange" Private Carrier ACA coverage which is issued directly to you thru a Major Med insurance carrier - not the Federal Exchange. It is "Obamacare" compliant but does NOT offer any subsidies. It has a HUGE LOCAL network of Dr's and hospitals. It is Guaranteed Issued coverage with all the mandates of Obamacare. If you need Guarantee Issue coverage it is the way to go. We are contracted with several carriers and can cover you right now.
3) NEW "No Exchange" Private Carrier PPO Insurance options Non-ObamaCare PPO Plans are NOT subject to the Health Bill - these affordable plans are offered by AA+ Major Carriers and designed to cover your medical expenses - some have no deductible to have meet - and have many medical benefits such as Dr office visits, ER, Rx, wellness, unlimited surgery, hospitalization, Lab, diagnostics, ambulatory care services and urgent care - all the coverage people look for in Health Insurance - and none of the excess "mandates" they do NOT want - offered by Major carriers for people who want solid independent and affordable PPO coverage for themselves and their families - with NO strict HMO networks and NO government oversight.
Obamacare is a HMO - not a PPO - with a HMO you must have a pre-selected "gatekeeper" that absolutely must authorize absolutely all medical care in every facility you use - all providers and facilities you use must be in that very specific HMO network and MUST be pre-approved by that initial PCP gatekeeper Dr.
Aiken Health is a Federally Certified Agent registered with cms.gov. We know the architecture of ObamaCare inside and out -all the HMO benefits and pitfalls from the inside out. We want you to be aware of ALL the available options on the market so you can choose what is best for you.
Health Insurance in America has completely changed - it is not the same as it was - and it is never going back - so we must change with it and be savvy as well.
Did you know that the Supreme Court established per the Commerce Clause - that the government cannot force a person to buy Health Insurance - and they can only TAX (fine) you from your 2015 tax return if you do not do "buy" Obamacare from them (only $95 - or a scant 1% of your taxable income) and NOTHING more! They cannot even legally enforce that fine!
How well planned out is Obamacare? Can I trust it?
FORBES Magazine says: "To save money and be profitable BUY a Alternative Plan now and Obamacare when and if you ever develop a chronic illness!" (Forbes 08/19/2013 - Gaming ObamaCare's Health Insurance Mandate for Fun and Profit)
Need Affordable Coverage Now? YOU ARE AT THE RIGHT SITE!
1) "No Exchange" Private PHCS PPO Coverage Plans:
These plans offer immediate PPO repricing thru "PHCS/Multiplan" (the only PPO Mayo Clinics now accept) with RICH benefits - 365 day hospitalization confinement - unlimited per day inpatient and out patient surgery - post care and physical therapy - Dr office visits - wellness - ER- diagnostic Lab - x-ray and imaging services - ambulatory facility - Rx card - ambulance services - Excess Burn Benefits + Critical Illness Benefits + Excess Accident and Accidental Death - all built right into the Base + benefits that pay on top of and in addition to the Base Benefits - making this the RICHEST plan on the market today - includes the "WellCardSavings" program giving you even MORE - dental, vision Rx, Lab, 24/7 Dr access and includes "medical bill re - negotiations services"
2) Hybrid "Line of Credit" PPO Coverage
This is a very affordable plan you can customize which pays up to $5,000,000.
It has a base of Inpatient services with a annual cap of one million dollars - with a deductible ONLY for a hospital confinement or Major Surgery. This plan covers
a hospital confinement - ICU - mental illness, alcohol or substance abuse, rehabilitation from a illness or accident event, outpatient hospital or ambulatory Surgical Center usage as well as outpatient chemo and radiation. Surgical, Anesthesia, Assistant surgical services and Inpatient Pathologist /Radiologist services are all built in - Outpatient services are based on a open "Medical Care Line of credit" of $6,000 per year per person per year - out of which is deducted payment for routine medical claims such as Dr office visits, Lab, Blood work, x-rays, Lab and diagnostic services, injections, Rx, ER room and/or Urgent care visits. It also gives you a additional benefits for a wellness visit (per person) and Excess ambulance coverage in both ground and air. This is also on the HUGE "Multiplan/PHCS" PPO nationwide network - the largest and most accepted PPO network in American today Solid coverage for you and your family anywhere you go - nationwide = NO HMO restrictions!
3) Deductible Coverage Plans:
These plans are positioned to pay your deductible and out of pocket exposure for YOU - paying you CASH money for a hospitalization and Outpatient services. These plans are NOT connected to a specific Critical Illness to pay money you - just proof that your current plan has a unmet deductible or outpatient out of pocket you must meet - GREAT for people with the new higher deductible plans of Obamacare. Let it pay your deductible and other out of pocket costs for you - especially if your monthly insurance premium is "subsidized"
4) 364 day Multiplan/PHCS PPO "Short Term" Plans
These are 80/20 format plans with a deductible and co-insurance that mirror Major Med plans pre - 2014 - has a annual mammogram and Pap built in at no charge - will not cover pre-existing conditions but does offer easy underwriting - offering straight forward affordable coverage for unexpected illnesses or accidents and paying up to $2 million per year - offers affordable rates and is available in a set time frame from 30 days to 364 days - a good option for people who like co-pay format of coverage that can be renewed - will accept a child only and cover people up to age 64 - GREAT OPTION
Remember - you can have affordable Private PPO Insurance coverage now and Obamacare can be your Catastrophic back up "go-to" Plan !
DID YOU KNOW: You can negotiate your out of pocket costs for any medical procedure upfront by KNOWING what the "Fair Market Value" of that procedure per zip code upfront?
Go to: www.healthcarebluebook.com and look up any procedure nationwide - do NOT let a third party decide what YOU will pay for anything anymore! EMPOWER yourself and only pay "true market value" of a procedure!
Other Products Positioned to Save you Money:
Critial Illness "Accelerated Payment" plans:
Term Life from $50k to $5 million - with NO PARAMEDIC check up to $250,000.00 - these plans have built in "Accelerated Benefits" - IF you develop a Critical Illness (heart attack - stroke - cancer and 8 more triggers) the plans PAYS you 50% of the benefit of the "face value" (example: $125k upfront out of a $250k policy) paid directly to you for you to use on whatever you want - medical costs to treat that Critical Illness - mortgage - bills - then you can jump on ObamaCare if you want for Guarantee Issue coverage - with the $125k in defined accelerated benefits in paid to YOU in CASH
Excess "Per Accident" Accident Benefits :
Several varieties - Assurant has the richest I have seen on the market with very low premiums - covers so much more than just "accident" - pays benefits as diverse as Emergency treatment, diagnostic exams, ICU, Coma events, hospital stays, blood plasma/Platelets, burns, emergency dental, eye injury, Paralysis, durable medial equipment, follow up treatment, Prosthesis, Rehabilitation, Physical Therapy, Accidental death (up to $50,000) and so much MORE - premiums are in the $17.00 - $25.00 range!
Premier Package - only $59.00!
BEST combo of Accident Medical Expense ( $10,000 per event) + Critical Illness ($10,000 with 5 different health triggers) + Hospital Indemnity (per day) + Term Life ($10,000) + Accidental Death ($10,000) + Accident Disability coverage - plus pays up to $1000 per month Disability
Aiken Health is the CSRA's ONE STOP - ONE CALL Connection
One call - that's all!
Aiken Health Insurance Co.
Call for a Custom Quote Today!!
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, Standard Security Life, American Republic, Philadelphia American, HCCMIS & LLOYD'S OF LONDON, CIGNA and many more.
Licensed in SC, NC, GA and AL
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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