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
There are only 3 types of Individual Health Insurance now:
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!!
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.
Licensed in SC and GA
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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