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.).
About ACA Major Medical Insurance
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.
About Short Term Health Insurance
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.
About Gap Health Insurance
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.
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]
About Dental Insurance
Supplement Medical Policies with Dental - Available in most states, including plans for seniors and those under 65.
No Waiting Periods - For certain dental care categories like preventive care.
Two Options - Indemnity + PPO (availability varies by state) get additional savings by staying in-network.
Preventive Care + Diagnostics Paid at 100% - With no waiting period – Calendar-year limitations apply.
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).
About Vision Insurance
No Waiting Period - Coverage for services right away.
No Underwriting - Available to those up to age 99 and coverage won’t be denied due to age or pre existing conditions.
Hearing Insurance or Discounts - Additional hearing coverage or discounts included.
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.
About Telemedicine + Rx Discounts
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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