ACA-qualifying major medical health insurance is a good choice for anyone that is managing a pre-existing or chronic health condition or that otherwise needs a medical plan that provides coverage for the essential health benefits (prescription drugs, preventive care, etc.).
Obtaining Coverage - Enroll during the annual open enrollment period or a qualifying special enrollment period.
Federal Financial Assistance - Apply federal subsidies to reduce premium or out-of-pocket costs.
Coverage - Benefits for ACA essential healthcare services like doctor’s office visits, emergency care, and hospitalization.
Guaranteed Issue - Applicants are not denied coverage due to pre-existing conditions and premium is not based on health status.
No Benefits Limits - No annual or lifetime limits on essential health benefits.
INSXCloud Multi-Carrier Platform - Quote and enroll customers on the INSXCloud for federally facilitated marketplace (FFM) plans. Learn more about INSXCloud.
Limited-benefit, temporary health insurance is for individuals and families that are between major medical plans, for example, spouses that aren’t yet eligible for Medicare, and those between jobs.
Nationwide Availability - Available in most states including one of the only short term medical products approved for sale in Minnesota.
Year-Round Sales - Increase your sales and revenue stream with STM products, which are available to enroll year-round in most states.
Next-Day Coverage - As well as coverage effective dates up to 60-90 days in the future in most states.
Duration Limits - Policies last from 30 days to 36 months when choosing an Extend renewable plan. Coverage options and availability varies by state.
Multiple Products, One Bill - Conveniently add additional products to this coverage, such as a critical illness and accident plan.
Pre-existing Conditions Coverage - The only STM option on the market with limited benefits for some pre-existing conditions. No cholesterol or hypertension questions, or tobacco use rating. Pre-existing condition coverage and availability vary by state and by policy option.
Exclusions - STM policies generally do not cover the essential health benefits, pre-existing conditions, and may have other limitations.
Supplemental medical gap insurance provides additional lump sum benefitsto help with out-of-pocket costs, out-of-network costs, and even to help with the costs of childcare, transportation, and housing.
No Deductibles - Lump sum benefits can be paid directly to the customer to use however they want.
Critical Illness + Accident Coverage - Covered conditions include but are not limited to broken bones, life-threatening cancer and heart attack. Benefits are subject to waiting periods and pre-existing conditions exclusions.
Guaranteed-Issue - No underwriting questions required.
High School Athletes - Get supplemental coverage for athletes as high school sports are not excluded.
A hospital stay can be expensive. Hospital insurance provides supplemental indemnity benefits for hospitalization due to a qualifying injury or illness.
Good oral health can be an important part of good overall health - and dental coverage can help by increasing access to routine preventive care like checkups and cleanings, and basic procedures, like simple tooth extractions and fillings.[1]
Particularly for those with compromised vision, families, and older adults, vision insurance may be a good option by helping provide coverage for annual screenings and corrective lenses (glasses or contacts).
Health and medical discounts with telemedicine services (not an insurance product) can be a good way to increase convenience and/or savings, especially when paired with a specialty benefits insurance product like a short-term medical plan.
Flexible - Individual, family or child-only coverage options are available.
No Underwriting - Everyone is accepted even those with pre existing health conditions.
No Waiting Period - Discounts can be used right away.
Convenient - Telemedicine provides 24/7/365 access to board-certified physicians from the comfort of home.
Rx Discounts - Get discounts on prescription drugs (cannot be used in conjunction with health insurance prescription drug coverage).
Telemedicine Promotes Social Distancing + Potential Savings[2] - Stay home from the hospital and still get screened for potentially contagious conditions with mild symptoms.[3]
$0 Consult Fee - On Telemedicine services.
Not Insurance - Telemedicine, prescription drug card, and discounts are not insurance.
[2] Telemedicine can blunt the cost of unnecessary Covid-19 visits - STAT. (Mar. 2020). STAT. Retrieved 23 March 2020, from https://www.statnews.com/2020/03/19/telemedicine-blunt-cost-unnecessary-covid-19-visits/
[3] Telehealth overpromises during the Covid-19 pandemic - STAT. (Mar. 2020). STAT. Retrieved 23 March 2020, from https://www.statnews.com/2020/03/19/telehealth-overpromises-during-the-covid-19-pandemic/
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