DISCOVER YOUR PERFECT PLAN TODAY!_
Health Insurance can be confusing.
BUT
It doesn't have to be.. All you need is the proper information. So why settle for just "any" plan? Contact me today and let me do all the heavy work to GUARANTEE you sign up for the BEST plan for you and your family!
Patrick Joseph Chinjen
NPN # 20177746
Who Am I?
I'm your NEW Licensed Health Advisor! Let's face it. Who likes shopping for health insurance? Who likes talking about health insurance? Who knows what they're even talking about? Or what they're looking at? Who knows what to even look for?
Well that's what I'm here for. Think of me as your personal guide. Your navigator. To get you through the fog and into the light with a plan that fits your needs at your budget. My goal and my job is to make your experience in obtaining the RIGHT health insurance plan for you and your family seamless and stress free.
Don't leave your health to chance. Don't risk your life going uninsured. There is a plan for EVERYONE. My license allows me access to all full coverage plans both on Obamacare (which anyone has access to) and the private marketplace (which only I have access to). See what I did there?
So contact me today. To help YOU with your health insurance needs.
Did You Know?
The public marketplace, also known as the ACA is not the only place to sign up for health insurance. Top provider companies such as Blue Cross Blue Shield, United Healthcare, Cigna, and others offer plans on the off market private policies for low risk clientele at affordable rates based on your health.
Click the button below to learn more!
How Important Is The Network?
Network is very important. Separated into 3 tiers.
EPO - Exclusive Provider Organization. The most restricted of the 3 networks. Usually short term plans and very limited options for doctors that will accept an EPO plan. You may have to drive an hour out of your way and have long waiting schedules. (Not recommended)
HMO - Health Maintenance Organization. The middle tier. Most plans on the Obamacare are HMOs. Still restricted to in-network doctors however wider range than EPO. You will need a referral from your PCP to see a specialist doctor. Anything out of network, your insurance plan will not cover and you will have to pay out of pocket for any medical expense.
PPO - Preferred Provider Organization. The strongest network. Accepted by 95% of doctors and hospitals around the nation. No in-network or out of network options. Freedom to choose any doctor or hospital you like that accepts a PPO plan. (Highly recommended)
What Is A Deductible?
Deductibles are what you pay BEFORE your insurance plan kicks in. Meaning if you haven't met your deductible amount on your plan, and you have a medical expense less than that, you are responsible for that bill. Not your insurance company. Tragic.
An example would be, if you have a deductible for $10,000, and you incur a hospital bill of $5,000 for whatever reason. You will be responsible for that full $5,000 amount if you have not met your deductible yet. Unless an individual is sick or really needs to use the insurance plan, policies with high deductibles are not recommended. It's very important to know how much the deductible of a plan is so you understand how much you are responsible for. In contrast, NO deductible options are your best bet for full coverage options. The problem is, on the public marketplace, NO deductible plans are usually out of budget for most people on a monthly basis.
Fill out the form below to find NO deductible options at an affordable rate today!
What Is Coinsurance?
Coinsurance refers to those 80/20, 70/30, 60/40, 50/50 numbers that you often see on insurance plans. Let's take 80/20 for example. What this means is, for any medical expense, you insurance company will pay 80% of the cost and you, as the insured, is responsible for 20% of the cost.
So with that understanding, you can already guess it, 100% coinsurance is your BEST option. Why? Because that means your insurance plan will cover all of your medical expenses at 100% without any out of pocket cost to you. Now that's true coverage!
Realistically, would you really be ok with signing up for a plan that has a 50/50 coinsurance? You're already paying a monthly premium and when you go to actually use the policy, you STILL have a portion to pay out of pocket...
There are certain things in life we can go cheap on. Our health? Our very well being of health and sickness, life and death, should not be something we go cheap on.
Find your peace of mind today! Fill out the form below and receive a call from me. No more spam calls. No more bombardment of 50 calls a day. Speak to one agent. One Advisor. And know, that your best interest is my priority.
What is Out-Of-Pocket Max?
This is the bread and butter of a health insurance plan. Why is that? This is YOUR SAFETY NET. Your stop-loss. This amount is the MOST you would have to pay if the worst case scenario were to happen. That is why we buy insurance correct? To prepare for the worst case scenario.
What's a worst case scenario example? Well, I'm glad you asked! Most insurance plans you will see on the Obamacare website will have Out-Of-Pocket Max ranging anywhere from $5,000 - $18,000. Let's take a worst case scenario example such as being diagnosed with cancer. We all know cancer treatment, with chemotherapy and ongoing medical expenses are very expensive over time. An Out-Of-Pocket Max saves you from going into financial debt. If the OOP on a health insurance plan is $10,000, that is the most they would pay and their insurance plan will cover the rest. (Depending on coinsurance).
It is highly recommended to have a plan that has an OOP because there are plans out there that don't have this.
CAUTION!!
Be very careful of plans that do not offer an OOP. Fill out the form below to make sure you find the BEST plan with the BEST coverage at the BEST price.
LET'S GET YOU COVERED LIKE AN UMBRELLA IN A RAINSTORM
SO WHICH ROUTE SHOULD I GO WITH?
Well is really depends on what your needs are as an individual or as a family.
One key note to keep in mind, plans on healthcare.gov are only available during Open Enrollment. Open Enrollment is from November 15 to January 1 of every year.
Private plans are available any time of the year
PUBLIC?
The public marketplace, AKA Obamacare, AKA healthcare.gov is great for individuals with pre existing conditions and taking daily prescription medication. Anybody and anyone can shop and sign up for a plan on their own. While it is recommended to have an expert advise you, (that's me), to find you your best coverage option. The worst thing anyone can do is sign up for just "any" plan, or even worse, the "cheapest" plan. This usually does not result in great coverage and happy customers. Trust me, you do not want to gamble with your health. Especially if you are one that has on going issues.
PRIVATE?
The private marketplace, opposite of Obamacare, is great for individuals with no pre existing conditions and not taking any daily prescription medication. This is because, private healthcare plans, require medical underwriting to be approved for these plans. In essence, they only take healthy individuals and families.
Also! Obamacare is only offered during a certain time of the year called Open Enrollment. Meaning, the only time someone can apply for a plan is during that time which is from November 15 to January 1st.
Private plans don't have an open enrollment period meaning someone can apply and start coverage at any time of the year.
