When it comes to insurance policies, a deductible is the amount of money you have to pay out of pocket before your insurance coverage kicks in. Essentially, it’s the initial cost you’re responsible for paying before your insurance company begins to cover the costs associated with a claim. Deductibles can vary depending on the type of insurance policy you have, so it’s important to understand the specifics of your coverage. Some policies may have higher deductibles in exchange for lower monthly premiums, while others may have lower deductibles but cost more each month. Ultimately, understanding your deductible can help you make informed decisions about your insurance coverage and ensure you’re prepared for any unexpected expenses that may arise

 Copay is the amount you pay for medical services after insurance. It can vary by service/medication. Review your plan to avoid surprises. Talk to your healthcare provider if unsure. Let me know if you have any questions!

“Max out of pocket” is a term in health insurance for the most you pay for covered medical services in a set time period. This includes deductibles, copays, and coinsurance. After reaching the limit, your plan usually covers all remaining costs for the year. Knowing your max out of pocket is key for managing healthcare costs

Many companies are listed here, such as Aetna, Ambetter, Bluecross, Molina, Cigna, Oscar, Caresource, and United Health. The options differ depending on the state and county. Our clients usually want the plan that offers the best coverage at the lowest price. We always ensure that our clients are satisfied with their coverage.

• Loss of health coverage
  • Losing existing health coverage, including job-based, individual, and student plans
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Turning 26 and losing coverage through a parent’s plan
• Changes in household
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family
• Changes in residence
  • Moving to a different ZIP code or county
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing
• Other qualifying events
  • Changes in your income that affect the coverage you qualify for
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service