Home Page

                                      "The Only Thing That Is CONSTANT Is CHANGE"   Heraclitus
                                                                                                                                                                  

 2018  SC  ACA  Premiums  to  jump  up  30% or MORE according to the rate requests published Tuesday by the US Dept of Health and Human Services - 30% MORE!

Can you afford that? Higher monthly premiums - higher out of pocket deductible and less network acceptance.

     It is time you talked to Aiken Health Insurance

                      Who is Aiken Health Insurance ?

We have been helping people here in Aiken and the CSRA find good affordable NON-Obamacare Private Carrier PPO Health Insurance - Life Insurance - Medicare Supplement -  Cancer - Accident and Short Term and Long Term Disability Income Benefits right here in Aiken since 2004
           Our offices are off Pine Log Rd by appointment only

 What is  "Non-Obamacare" Health Insurance Coverage?

Since the ACA went into effect on Jan 01 2014 the people of SC and GA have had limited choices for Health Insurance coverage.    One of the clauses in the 2014 'Bill' was after Jan 2014 no major medical plans could be bought or sold to a individual unless it was a ACA plan - on or off the exchange.  

This wiped thousands of Major Medical plans offered by smaller insurance companies.  The government designed this to force everyone into a "Obamacare" plan but they forgot about the American ingenuity.  Other types of rich coverage plans were developed to help those individuals who cannot afford Obamacare.  These are called "Non-Obamacare" Coverage.

Non-Obamacare Coverage is Private Insurance Carrier PPO Health Insurance coverage which is regulated to protect you and is approved for sale by the Department of Insurance.    This Insurance coverage is offered by Private Insurance Carriers with a nationwide accepted PPO to lower medical claims.

Private Carrier Plans are not "Guarantee Issue" so some people may not be qualified to be covered and some medical conditions may require a 12 month wait until that condition is covered - however the premiums are MUCH lower than a ACA plan - and have NO  deductible -  they pay 4 times more than the "usual and customary" costs for medical care across the US.
 
This absolutely is the BEST coverage available in the US for individuals OR small group coverage.      We can help you help your employees!

What is "Non-Obamacare" ALTERNATIVE Coverage I see advertised?

"Alternative Coverage"  refers to  NON INSURANCE programs - a "sharing ministry"  type plan - which are NOT insurance - not regulated to protect the consumer - NOT approved by the Dept of Insurance in any state and legally do NOT have to pay any of your claims.    All their documentation states the fact that they are "not Health Insurance" and not legally bound to pay any claims you may have after you have met their large "out of pocket" personal responsibility quota  - so buyer just beware.   We prefer to sell INSURANCE.

What other coverage does Aiken Health Insurance offer? 
 
*     Low cost PPO Medicare Supplement Plans 
*     Nationwide PPO Health Insurance
*     CANCER Plans both per event and  Lump Sum Cash to you
*     Term Life policies $50k up to $5 million dollars
*     Accident - Disability and Critical Illness plans
*     Term Life that pays 50% of the face to you NOW if you get ill
*     Final Expense Whole Life Plans
*    "Income Protector"  plans that pay you if you were sick or hurt - which pays cash to you  - regardless of what coverage you may have

Our Plans include "Teledoc" 24 /7 Dr's on call for a Rx or advice:
            Do I talk to “real doctors” with TeleDoc?

Yes.   Teladoc members only talk to actual doctors who are U.S. board-certified internists, state-licensed family practitioners, and pediatricians licensed to practice medicine in the U.S. and living in the U.S.    If you need a non narcotic prescription they can call one in to your pharmacy for you so you do NOT have to get up - get dressed and go to a physical Dr's office or walk in clinic and wait to see a Dr.

           What are some of the common conditions Teladoc treats?

Common conditions include sinus problems, respiratory infection, allergies, urinary tract infection, cold and flu symptoms and many other non-emergency illnesses.

Our plans also come with ScriptSave Rx and have "KARIS Group 360" Concierge Service built  in which will navigate a PPO provider for you -  help you find the RIGHT labs, PPO affiliated nuclear diagnostic facilities and  to save you money - they even have Medical Bill Negotiators to help you.

              All included in your Aiken Health Plan!
 
          HOW MAY WE HELP YOU TODAY?

      Call:      Lydia delRossi:  803-215-7678

 Worried about a "Tax Fine?"    We have a low cost  optional "Tax Fine Exempt" component  available you may add to your solid Health Insurance coverage avoid a possible Tax Fine -  but as Obamacare explodes the fine itself is less and less of a concern - millions will not buy Obamacare in 2018

Read what a LOCAL Aiken Health Insurance Consumer has to say:
Sophie Shamblen 

"If anyone is looking for health insurance coverage in Aiken at an affordable price, I would like to share my experience with you.

I cannot thank Lydia DelRossi
and Aiken Health Insurance enough for all they do.

After being hospitalized in June for 7 days with pneumonia and anemia, I started receiving large bills from the hospital.    My bill from Aiken Regional was over $50,000. After some paperwork and a lot of help from Lydia, it was reduced to just over $20,000.     I was freaking out and wondering if my plan would cover it, so I contacted Lydia again and she emailed me back immediately with what I needed to do. I went back to the hospital and got an entire transcript of my medical records.

Three weeks later, I received a check, made out to me, for $26,500. I am now able to pay off the entire hospital bill myself.

This plan has also covered me when I cut my hand and had to go to the ER  ($50 co-pay is all I paid),  and has covered my husband Dave for a pinched nerve     (again $50 co-pay)   and also for Dave's latest visit to Doctors Care for tennis elbow.

I cannot thank Lydia enough for all her efforts, this plan really works and we are proof. The best part is that it, for us, it covers Dave and I for only $380/month!

Sorry to sound like a sales pitch, but I'm just so grateful that I signed up to this policy. It may not work for everyone, but I just wanted to share my experience."

We ARE making such a difference - we were even interviewed by a Nationwide Podcast about how Aiken Health is helping others:

Listen to  the  following  Nationwide Radio  Interview  to  hear  how  we can PROTECT you with a Non-ACA - Non-Obamacare Health Insurance plan as a advocate: 

https://ehealthradio.podbean.com/e/get-your-healthcare-financially-under-control

 
                        YES - We can help you today                                                   

"Obamacare Is Failing Exactly The Way The Critics Said It Would" 

 Investor's Business Daily    08/04/2016

Non-Obamacare plans include:
 
1)     Rich "Defined Benefit" Plans with No Deductible to have to meet - coverage exceeds $1 million per person  per year - pays 3x over  "usual and customary" costs with HUGE Hospitalization + Excess Cancer Coverage + excess Accident + $10,000 Lump Sum "Crisis Recovery" Benefits built in
    
2)     Hybrid plans with immediate coverage of regular outpatient  care and a deductible  ONLY for a  "Inpatient Hospitalization" - deductibles options range from $500 - $5000 -  and they pay up to $1 million per person per year

3)    100% Guarantee Issue plans - regardless of your past or current health issues

Our Health Insurance plans will cover a Type 2 Diabetic - as well as people on HBP medicines and/or cholesterol Rx as well as other common medications  conditions which are  "Stable"  so ask us if we can cover  you

Aiken Health Consumer ADVOCATE RESOURCES:

DID YOU KNOW: 
When you give a medical care provider a Obamacare insurance card you are automatically charged 40% - 60% - up to 80% MORE for that procedure that they "settle" with the insurance company for a fraction of that cost?   

In 2017  YOU  must be a GOOD CONSUMER - Be smarter - be knowledgeable = we have all the resources to help you drop your medical costs by the THOUSANDS and be safe with our Private Coverage plans

Need a lab test?      DO NOT have it done at the Dr's office - go to Direct Labs and ask for the "self pay" rate -  OR go to this site to get a quote immediately for Low Cost LOCAL Lab work  -    www.labcorp.com     look under menu

Need a MRI or CAT Scan?   

DO NOT GO TO A HOSPITAL AND PAY $4,000 - $6,000 or MORE -  NO - we have ADVOCATE RESOURCES available right here in the CSRA:

Go to the website below  @ "We Care Medical Mall"  to schedule a test and pay from $380 - $860 for a MRI - or $270 - $470 for a CT Scan = which INCLUDES the Board Certified Radiologist's report - with state of the art MRI and CT Scan equipment - located in over 2800 locations nationwide - with one right here in Augusta GA.  Cost  Includes  Radiologist  Test Reading 
 
                                      www.cheapimaging.com

                    Why Pay More MONEY for the SAME Test?

DID YOU KNOW: 
You can negotiate all your Medical Bill out of pocket costs for any medical procedure by KNOWING upfront what the "Usual and Customary / Fair Market Value" cost of that procedure really is - the true actual real price the medical provider settles for - not the INFLATED "insurance cost" that they WANT you to pay!     If you know that in advance your out of pocket costs can drop HUNDREDS and sometimes THOUSANDS of dollars!  Be Smart
   
Go to this link:

www.healthcarebluebook.com      look up any procedure in any zip code in America.   KNOW the TRUE  "fair market value"  CASH self pay rate accepted by the medical provider right there - regardless of what the WANT to charge you for a "insurance rate".   Why pay more?    Be a SMART Consumer:    www.SaveOnMedical.com

 Have a problem with current OVERWHELMING Medical Bills?  

Go to this website:

https://www.cutmymedicalbills.com/

They can help - that is ALL they do - help people cut bills way down

Do NOT let a third party tell YOU what you will pay for YOUR medical care - EMPOWER yourself and only pay the "true market value" of any procedure  - get the LOWEST price and then let me help you get that money REIMBURSED BACK to you......That is a WIN -  WIN!
                                                    

DID YOU KNOW:    

You can buy that expensive Rx you need to take at a HUGE discount by going to   www.PlanetDrugsDirect.com    (A Dr gave me this info)

If you cannot get a generic equivalent of that Rx - Go to that website now - key in any high dollar drugs you take and see the NEW lower prices you can pay to get that very SAME Prescription Rx online.

More good Rx resources:   www.goodrx.com 

            More Insurance Protection Products we offer:

PPO Medicare Supplement Plans  -    We have Nationwide PPO  Medicare Supp Plan G as low as  $96.31  per month - Plan F as low as $121.14  and Plan HDF as low as $34.50 a month!   CALL me FIRST for quotes 

NEW  "IN HOME"  HOME  HEALTH  CARE!

Plans to put in Plans to put in place NOW - while you are active and do NOT yet need it - this is NOT Long Term care - this is HOME Health Care to help people STAY in their home and NOT have to go to a nursing home -and it pays IN ADDITION to any coverage you may have - including Medicare! 

Believe me - things can change unexpectedly and FAST and Home Health Care is the fastest growing segment of the population - lock in your rates NOW -  example: 
 
ages 41 - 45 = $19.00  a month 
ages 61 - 64 = $24.40 a month 
ages 76 - 80 = $42.60 a month

pays for:  Home Health Care Aide - Skilled Nursing - Physical Therapy - Respirator Therapy - Medical Social Services - Rx help - Hospice - Annual Physical Exam - Ambulance - Hearing - Vision - Private Duty Nurse - all in the PRIVACY of your own home  - don't wait until you  need it  - buy it now.

  24 Hour - On the Job or Off the Job Accident Coverage

Benefits are paid directly to you or to your medical care provider - any Dr any Hospital - anywhere-  $2,000 - $5,000 - $7,500 - $10,000 - $20,000 or $25,000 per event - co-ordinates with other coverage so it WILL cover you if you do NOT have Workman's' Comp and get hurt - but it will NOT "double pay"  if that event is covered - but it WILL pay all of your out of pocket costs!

Dental?      Do we have  regular 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

 Put your Coverage  Plans to put in place NOW - while you are active and do NOT need it yet -   believe me - things can change FAST and Home Health Care costs keep going up up and up - lock in your rates in

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

       Aiken Health Insurance Co.
            803-215-7678
   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 Supplement, GTL, UnitedHealth, Comprehensive Insurance & Wholesale Benefits Association, CIGNA, Standard Security Life,  New Era Life, Philadelphia American, HCCMIS & LLOYD'S OF LONDON, 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!