Now WHAT? You still need Health Insurance to offset the costs of a unexpected medical or accident expense - can you still get coverage - even now?
OF COURSE YOU CAN!
Are you wondering what to do to protect your assets and loved ones now that the Obamacare door is closed?
WE HAVE GREAT NEWS!
If you are LOOKING for Health Insurance
We can help you today!
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 allowed:
1) "On Exchange" Obamacare HMO coverage applied for on the Federal Exchange thru the IRS. Enrollment now OVER - with special exemptions.
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. We are contracted with several carriers and can cover you ONLY IF you meet specific "special enrollment life events."
3) NEW "No Exchange" Private Carrier PPO Insurance options MULTIPLE Non-ObamaCare PPO Plans are NOT subject to the Health Bill - affordable plans offered by AA+ Major Carriers designed to cover your medical expenses - many with no deductible to have meet - and have Dr office visits, ER, Rx, wellness, unlimited surgery, hospitalization, Lab, diagnostics, ambulatory care services and urgent care - all the coverage people want 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
We only deal with the largest Nationwide PPO networks - Multiplan - PHCS - Aenta and others to give you true value. NO HMO's = no restrictions
Aiken Health is a Federally Certified Agent We know the architecture of ObamaCare inside and out -all the benefits and all the 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.
FORBES Magazine says: "To save money and be profitable BUY a Private - NON-Obamacare Plan now and Obamacare ONLY when and if you ever developed a chronic illness!" (Forbes 08/19/2013 - Gaming ObamaCare's Health Insurance Mandate for Fun and Profit)
Need Coverage? THEN 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 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
3) Deductible Coverage Plans:
These plans are positioned to pay CASH to you paying you $5,000 - $7,500 or $10,000 if you were diagnosed with one of 10 Critical Illness "triggers" - then it also pays you $500 - $750 or $1000 per month for a FULL 12 months after that First Diagnosis - and has second "re-occurrence" Cash Benefit built in if you were ever diagnosed with a second same - or different trigger illness! 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" -
rates are age banded and begin at only $7.30 per month YES $7.30!
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
DID YOU KNOW: You can negotiate your out of pocket costs for any medical procedure upfront by KNOWING what the "Fair Market Value" (also known as the Usual and Customary) 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 for anything anymore! EMPOWER yourself and only pay the "true market value" of any procedure! Knowledge is POWER
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