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Individual Health Plans

Choose Option 1

If your looking for a Private Health plan or an off-exchange plan. This is a health insurance policy that is purchased directly from the carrier through the help of an agent/agency such as ours. In most cases you will need to buy a private health plan if your income as a single person is more than $46,680 or a couple that makes more than, $62,920 or a family of 4 that makes more than $95,400. Choose option 3 if you would like us to send or create the quote for you. Otherwise, if you just want a quote and know what you want to click here and you will be redirected to Select Health. When asked for income please make sure you put household income is $0.

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Choose Option 2

If you think you qualify for subsidy or cost assistance with Obamacare through the marketplace. See this chart below. Please choose this option. You will be redirected to Select Health’s subsidy calculator to verify what you qualify for. Once you find your subsidy level you then can create your account and be all finished in less than 1 hour. Tip- finish the application all at once do not log out and go back in a week later.

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Choose Option 3

I want help from a licensed agent that can help me shop and compare quotes for me. Let us do the work for you. We will compare Select Health, Blue Cross or any other plan that fits your needs. Fill this forum out and we will call and send you your quotes the very same day. Keep in mind insurance rates are regulated by the state insurance department so no one can offer you a lower rate. We are a locally licensed agency and no one you work with will have less than 10 years experience.

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Here are 3 quick tips before choosing a Health Plan

Understand Your Network Options

“Will my Doctor accept this Health Plan ?” The plan is not any good if he or she is not part of that network. Different policies have different network options. Before choosing the right network, ask yourself “do you want the option of selecting or keeping your own doctor?” This can save you money as some companies offer multiple networks. If so, you want to choose an HMO plan over a PPO Health Insurance plan. If you don’t plan on seeing a specific doctor, be mindful that your network is broad enough and offers plenty of provider options. If your not sure if your doctor is on a certain list call us or use the contact us button to reach out to us.

Compare High deductible plan vs low deductible Plans

When shopping for your health insurance, most buyers select health plans on price only. Although affordability is important, you may want to choose a plan that covers your actual healthcare needs. Some questions you might ask yourself are “how many times you plan to see the doctor this year?” or “does this plan cover my medication costs?” Here is another example say you have not been to the doctor for years and all this time you have overpaid on a low deductible plan. Maybe you should take a look at putting yourself on a high deductible plan and seeing how much that will save you each year. In some cases I have clients save 4 or 5,000 per year. That would more than make up your deductible if something happened. Make sure to understand your options and ask as many questions as possible when speaking to a licensed health insurance agent at groupinsuranceplans.com.

Double check your out of pocket maximum (OOP)

All plans have limits on the OOP or maximum deductibles and maximum out of pocket in a policy year. The term out-of-pocket maximum is the most you’ll have to pay during a policy period (usually a year) for health care services. Once you’ve reached your out-of-pocket maximum, your plan begins to pay 100 percent of the allowed amount for covered services. Tip double check what each carriers OOP is. Not all policies are the same. They can range from $2500 to $50,000.

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