A Comprehensive Source for Health Insurance Information
Health Insurance is not a matter of chance but a matter of choice. You need to choose a health plan after careful evaluation and consideration of all vital factors. InsureMeNow, a comprehensive health insurance portal, operates to help Americans take highly informed decisions while shopping for health insurance. You are sure to find exhaustive information on diverse health insurance matters. No matter whether you are looking for an individual health insurance plan, short-term plans, dental, vision, Medicare, or Medicaid plans, you will find extensive information on all these types of plans as well as about the leading health insurance carriers of the U.S.
Finding a health plan exactly as per your requirements and budget will no more be a hassle, as you get the opportunity to compare among the top health plans of your area to choose simply the best one. InsureMeNow will prove your ideal partner assisting you throughout your health insurance shopping endeavor. InsureMeNow is proud to help you find the right health coverage at the best price. Our portal showcases a wide range of health insurance products from leading national and regional health insurance companies. We help you find affordable health insurance plan online or over the phone at no additional cost to you.
Find Health Insurance that best Fits your Budget and meets your Needs
InsureMeNow is the best place to obtain the latest, accurate information on leading health insurance plans currently available in your area. You can avail information on diverse aspects of health insurance. From information on the health insurance marketplace to your eligibility criteria for a health plan, and from the process through which you can apply for a plan to know about the means to lower your health insurance cost. You can find in-depth information on health insurance and complete assistance on picking the best and affordable health plan for yourself and your family. Our portal provides you a solid platform to explore and know about every qualified health plan in your area along with the apt information on health plans and the application process. You will have all the required information essential for picking the best and affordable plan, as of right from the details of the plans' benefits to their prices, all information is presented in a clear and concise language for you to understand. It helps you know everything related to the plan like premium, deductibles, benefits, and other additional costs, if any, so you can make a sound decision regarding your health insurance. Know about the following types of health plans that are generally available in the market:
Individual & Family Insurance
Finding an Individual and Family health plan as per your need is a complex task, especially with so many plans offered by some leading insurance carriers. You have to consider factors like policy offerings, coverage, benefits, prices along with service rating, claims procedure and company's financial strength.
Short-Term Health Plan
Looking for a temporary solution to fill gaps in coverage, then you can shop for short-term health plans that are designed to provide health coverage for a short duration, like outside open enrollment period or if you need coverage in case of an emergency. You can find each and every information on our portal,
With dental insurance not included in the major health plans offered to adults, you will need to obtain stand-alone dental plans to have coverage for dental care services. We provide vital information that is essential for purchasing a dental plan at the best price. Right from the different types of dental plans available...
A Vision insurance plan is designed to help you provide coverage for vision care expenses like routine eye exams, prescription glasses, and contact lenses. We, at InsureMeNow, help you pick the best vision insurance plan at the best price meeting all your vision care needs. No matter where you live,...
Medicare is a state-managed health plans designed for seniors over the age of 65, disabled adults receiving Social Security benefits and to individuals with end-stage renal disease. There are several Medicare plan structures available with nationally recognized insurers who partner with the...
Medigap or Medicare Supplement plans are designed to help Medicare beneficiaries pay some of the healthcare costs that are not covered under Medicare like coinsurance, deductibles and capayments. In most of the U.S. states there are ten standard Medigap plans that fill the gap between Medicare...
It is important for every individuals to keep abreast of health insurance plans available in different states of the United States. As an informed consumer, you need to understand the building blocks of health insurance that will help you avoid misleading lingo and will ultimately help you pick the right plan and also help you end up saving you money. This is where InsureMeNow will come to your rescue and guide you through all the health insurance essentials that will make you competent in making the sound medical and financial decisions without compromising on the coverage.
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I appreciate the quick response for my queries regarding various dental insurance plans which I wanted to know for my daughter. I got the appropriate solution for my queries within an hour. Quick response given by the team.
The team helped me in choosing the most suitable vision insurance plan available in the market for my aged parents. Great assistance got from these professionals.
I simply want to say thanks to these professionals who have helped me a lot in knowing what all health insurance plans are available in the market for my family. Thank you so much for your quick response.
Health plans available through the Marketplace have to meet the requirements of qualified health plans. All the qualified health plans should cover essential health benefits, limit the copayments and deductible amounts, and cater to all consumer protection measures required under the Affordable Care Act. The different types of health plans available in the marketplace include:
These plans differ in terms of benefits covered and also based on the level of cost-sharing between the insurers and insured. Bronze plans have the lowest premiums and highest deductibles and other cost-sharing costs, whereas Platinum plans have the highest premium but lowest deductibles. Health plans also differ based on the networks of hospitals and other healthcare providers included in the plan. Enrollees of some of the plans are required to receive all non-emergency care in-network, whereas some of the plans provide some coverage on receiving out-of-network care.
While shopping for health insurance you should take into consideration your health as well as your financial condition. For instance, an individual of 27 years’ age who are in excellent health may opt for a low premium and high deductible plans such as a Bronze or Silver plan. People of older age having a chronic health condition or regular prescription expenses will find a Gold or Platinum plan best and affordable for them. Though these plans have a higher monthly premium but have lower out-of-pocket expenses for doctors’ visits and hospital stays. A disease or illness is quite unpredictable in life so you need to be prepared for the uncertainties that can adversely affect you financially.
There are several options from where you can buy a cheap and affordable plan exactly as per your health conditions and budget. You can buy a health plan either through HealthCare.gov or through your state's marketplace. Besides, some alternative sites allow you to shop, compare, and buy health insurance. The alternative health insurance portals also sell real, legitimate plans available on the marketplace. However, when shopping for alternative sites, you need to be careful as they also offer several plans that may have attractive low premiums, but might not be excluding pre-existing conditions, or offering no real coverage. As an inform shopper, you should be aware that health plans like short-term plans, cancer plans, or accidental plans are not major medical plans and these plans don't offer the protection that is offered with a marketplace plan.
It is mostly observed that while comparing a health plan, you mostly take into account the monthly premium of the plan, as this is the amount you pay every month to be covered. No doubt, premiums are important but it is just one aspect among the different factors that you should consider while finding a cheap and affordable health plan. You also need to be incredibly vigilant while looking at the plans' deductibles as well as copayments. You should try to understand the copayments not just for the doctor's visit but also for the emergency room and for medications. You need to realize that a plan with a low monthly premium but a higher deductible and copayment could end up costing you more in the end than a plan with a higher monthly premium. Besides, premium, deductible, and copays, you may also check whether the plan has coinsurance or not and what will be your total out-of-pocket maximum per year. The easiest way to compare plans is by checking a summary of benefits and coverage that not only lists plans' features but also lays out coverage amount under different potential scenarios.
Apart from the cost, you should pay attention to the list of doctors and hospitals included in the plan's list. You should make sure that your choice of doctor and hospital is included in your plan's network. The healthcare provider directories are available online both on the exchanges and on the insurance companies’ websites, but you should directly call your doctor and confirm whether they accept the plan you are considering to buy or not. Besides, the doctor, you should check whether hospitals near your home and office are in-network with the plans you are considering or not. When choosing a health insurance plan, it is also important for you to think not just about your known anticipated health care needs but also think about a chronic condition and what will your plan coverage in the case of catastrophic illness. Keeping these factors in mind you will be able to choose the best and affordable plan.
Yes, your spouse can obtain health insurance coverage through the exchange, but he cannot receive a subsidy to help pay for the health plans. It is because if you have access to an employer-sponsored health plan that is considered affordable, you cannot obtain a subsidy to pay for an individual plan. The employer-sponsored plans are deemed affordable if the cost of the plan does not exceed 9.83 percent of the household income in 2021. Thus, as long as your employer-sponsored plan costs less than 9.83 percent your spouse would not be eligible for a marketplace subsidy on an individual plan. Your spouse can buy an individual plan from the market but the cost of the plan will depend on age and the type of coverage required.
If you have an individual health plan through on-exchange or off-exchange, you have the option to renew for the coming year without doing anything during the open enrollment period. However, you need to know that this is generally not in your best interest and you should actively compare the available plans during the open enrollment period. You should first carefully analyze and then decide whether to renew your existing coverage or should switch to a different plan. ACA's health insurance exchange was created to foster a sense of competition and choice and to encourage people to first compare health plans and then shop for the plan. This will not be possible if you have selected the auto- renewal option for your health plan.
You can shop for your choice of individual health plan during the open enrollment period or a special enrollment period. The open enrollment period generally starts November 1 every year in the majority of the states and ends on December 15. A special enrollment period is open to people for 60 days after they experience certain life-changing incidence like moving to a new location, getting married, or having a baby.
You can obtain health insurance coverage outside the open enrollment period only in two ways. You can either purchase a health plan during a special enrollment period, if you become eligible for it due to a life-changing experience like losing employer-sponsored coverage, moving to a new place, getting married, or having a baby. Another way of obtaining health insurance out the open enrollment period is through Medicaid or the Children's Health Insurance Program and you can apply any time and can enroll immediately after becoming eligible for these plans.
It is not at all necessary for all marketplace plans to cover the same benefits. Though all marketplace health plans provide coverage for the ten essential health benefits, but health insurance carriers in many states have the flexibility to modify coverage for some specific health care services within each category. However, any modification in the benefits should be approved by the marketplace before making the plans available for purchase. All health plans available in the marketplace need to provide consumers with a Summary of Benefits and Coverage, which is a brief description of the benefits covered under the plan and the way the plan works. The plan's Summary of Benefits and Coverage makes it easier for you to compare different health plans as well as the cost-sharing.