Health insurance is a difficult to navigate alone, and you don’t have to. You can have all of your questions answered and be signed up to the policy of your choice for free. All you have to do is contact a health insurance broker at My Healthcare Direct! Our agents are standing by to listen to your story and help you to get the health insurance you need.
If you’ve ever been sick or in need of medical attention, you’re probably well aware of the importance of holding a health insurance policy. Health insurance helps pay for medical expenses, typically only after you’ve paid a set amount called the deductible.
We can explain the entire health insurance process to you and help you sign up for the health insurance policy of your choice at no cost. Your advocates are here at My Heathcare Direct and we’re ready to assist you right now.
The Affordable Care Act was created to ensure that more consumers were able to purchase healthcare benefits outside of their employment. This was necessary because, in many cases, the average consumer would struggle to afford high monthly premiums on their own if their job didn’t subsidize healthcare for them.
If you need health insurance, you should speak with an insurance agent or broker. They can help you find a plan that provides you and your family with the benefits you need. Normally, you are only able to purchase an individual health insurance policy during the open enrollment period, which often varies. If you need to be insured ASAP, you may have to see if you qualify for a Special Enrollment Period.
Special Enrollment Periods (SEPs) are designated as any enrollment period granted because of a recent life event. Some events that are commonly used to attain a SEP include:
Reach out to My Healthcare Direct now to start shopping for your own health insurance plan.
Cancer can cause catastrophic damage to both your physical health and your financial wellbeing. The benefits of cancer insurance could easily help you avoid financial ruin due to a sudden cancer diagnosis. Plan ahead by purchasing a cancer insurance policy now.
Cancer insurance offers you or a loved one the opportunity to collect financial compensation if a covered beneficiary is diagnosed with a harmful form of cancer. The purpose of cancer insurance is to fill any financial gaps left behind by traditional insurance policies like individual coverage or employer-based coverage.
Regular insurance may cover some aspects of your cancer-related care, but in many cases, a basic insurance policy will not cover all costs involved with treating your cancer. If you have a more comprehensive insurance plan, you may be safe, but check with your provider before deciding on whether cancer insurance is worthwhile for you.
The premium costs of cancer insurance are not insignificant, but in many cases, the policies turn out to be well worth the expense. If you do happen to be diagnosed with cancer, your cancer insurance policy will reduce the price of cancer treatment significantly, allowing you and your family to more easily maintain their current lifestyle while you are in treatment. In most cases, you also cannot get cancer insurance after being diagnosed with cancer. Therefore it makes sense to act now before the problem arises.
While some or all of these expenses may be paid for by some policies, the average cancer insurance policy won’t provide you enough coverage to pay for all of your cancer expenses. Therefore you will still need to maintain a core insurance policy to ensure you have maximum financial protection from a cancer diagnosis.
Don’t wait to start shopping for cancer insurance. A diagnosis could inhibit your ability to get this vital form of coverage. Contact the expert associates at My Healthcare Direct to start gathering quotes on cancer insurance in your area.
If you don’t have dental insurance, you’re risking the health of your teeth and gums. Make dental care affordable by investing in a dental care plan. Without it, you may find that dental care is incredibly expensive.
Some people feel they don’t need dental insurance, but that mindset typically changes once their dental care provider determines that they need serious work done. A good dental plan can save you hundreds, if not thousands of dollars on routine dental services. Some plans may even allow you to see the same dentist you’ve been seeing, as long as they are within the network.
If you don’t already have a dentist that you prefer, a new insurance policy will also give you the option to choose from a select list of in-network providers. Which dentists you can see often depends on the type of dental policy you have, your location, and the extent of their network. Though, some less expensive policies may still offer you access to highly rated dentists in your area. An insurance agent can help you find a policy that fits your unique dental needs.
Whether dental insurance is a good investment for you depends greatly on the level of individual dental care you need and your history of maintaining healthy dental regiments. If you only need standard cleanings, exams, and X-rays most years, you may lose money on a more costly dental policy. Yet, if you ever need more expensive services, such as root canals or crown placements, the cost without insurance could be bank-breaking.
Don’t make this decision on your own. Speak with an insurance agent now to determine whether a new dental insurance policy is the right choice for you. The insurance professionals at My Healthcare Direct are ready to take your call. Contact us to schedule a consultation and acquire dental insurance quotes.
Your eyesight should not be neglected. Fortunately, vision insurance allows you to access routine eye care services at minimal costs. With the right plan, you can get assistance paying for glasses, contact lenses, and services like eye exams.
Hi, I'm Jessica Manion at My Healthcare Direct, and today I'm going to be going over Medicare Vision Plans.
If you're someone who's on original Medicare, you're going to have very limited coverage when it comes to your vision, because original Medicare doesn't cover things like routine eye exams, glasses, and contacts.
One thing you're going to want to do is purchase a separate or Standalone Vision Plan. Now, if you're someone who's on a Medicare Advantage Plan, you may be in luck and have some vision benefits built into your Advantage plan. Now, not all Advantage Plans have vision coverage built into them. But as the years go by, more and more carriers are adding them to their plan benefits, so you definitely want to check your benefits each year to see if you have vision coverage.
Now, a lot of times, that coverage is pretty basic. However, it is better than nothing, and if you're still unsatisfied with the benefits that you receive with the Advantage Plan, you can also purchase a Standalone Vision Plan.
So, if you have original Medicare and you also have a Medicare Supplement, do you get vision coverage with that? Well, the answer is no. It works the same as original Medicare. So, if you're on original Medicare, you have purchased a Medicare Supplement Plan, you're going to also want to purchase a Standalone Vision Plan.
An example of this vision coverage that you can receive is through a company called “Manhattan Life,” and the great thing about them is it's actually a dental vision and hearing plan.
So, the benefit that you receive you can use
You can mix it up however you want.
Let's go over the benefits of the vision coverage. You can see here that for basic things like an eye exam and the cost for glasses or contact lenses, they will pay a percentage once a deductible is met.
The annual deductible for this plan is 100 USD, so once you've spent 100 USD in the first year, they will cover up to 60% of your vision expenses, and you will cover the remaining 40. In year 2, it goes up to 70%, and in year 3, moving forward, it's 80% of the cost that they will reimburse you for.
Now, the big thing to note about this type of plan is that there is typically a waiting period, and in this case, it is for eyeglasses or contact lenses, and that's a 6-month waiting period. So, once you've had the policy for 6 months, you can order eyeglasses or contacts, and they will pay out at the correct percentage based upon what year you're in coverage.
If you have any more questions about vision plans and what options you have in your area, feel free to give us a call at 888-959-1028. You can also check out our website at www.myhealthcaredirect.com, and you can also like us on Facebook.
Eye disease can cause permanent damage if not addressed quickly; therefore, regular eye appointments are highly recommended for most adults and children. With vision insurance, your visits to the eye doctor will be less expensive on average, and the providers you have access to are likely to expand as well.
Without eye insurance, you may have to pay as much as $200 for a new patient eye exam. Routine eye exams may cost a bit less, but a basic eye insurance package will likely allow you to save significantly in the long-term, with premiums ranging anywhere from $10 to $30 a month. At $16 a month, you would be paying $192 annually to uphold your policy. At that rate, purchasing glasses or contact lenses and services like eye exams will cost much less for an insured consumer.
We recommend that you always keep eye insurance, just to be safe, but there are some instances where it may not be necessary. If you don’t need any glasses or other corrective treatment, eye insurance may not be the best choice.
My Healthcare Direct offers consumers like you direct access to high-quality vision insurance plans. Contact us now to schedule a consultation where you can get quotes for insurance policies in your area.
Affordable Care Act (ACA) plans meet specific guidelines and aim to help more people have access to better health insurance, while still allowing for healthy competition.
The Affordable Care Act (also known as Obamacare) was introduced in 2010 as a way to expand and regulate healthcare coverage. It has not always been seen in a positive light, but the introduction of ACA benefits and plans has helped a lot of people.
A lot of the work done through ACA was done to reform Medicare. Now, people with pre-existing conditions cannot be turned away, and prescriptions cost less. Not only that, but no time limits exist, and more overall screenings are covered.
And, overall, health insurance is less expensive and more affordable to more people. More people have signed up for insurance than ever before, including far more young adults. However, Medicare and this availability do raise taxes, and you are fined if you do not have coverage.
Another benefit is regulated coverage—ACA-compliant plans are required to meet certain standards of available benefits. All Marketplace health insurance plans must offer these 10 basic benefits:
There are a few things you’ll need to figure out about your ACA health insurance application. Because ACA plans are regulated, there are a number of required documents you will have to provide:
ACA plans have an annual open enrollment time, typically at the end of the year. During this time, you can freely make changes to your health care coverage purchased through the ACA’s Health Insurance Marketplace. You can:
Typically, changes can only be made year-round in the case of:
You need an agent. Without beating around the bush, enrolling in an ACA plan takes time, and it is complicated. With so many options out there and such an involved application, having an agent can really help. My Healthcare Direct has dedicated itself to integrity with its customers. If you would like to get started, call us today at (888) 959-1028.
People who do not have access to other types of health insurance may benefit from purchasing short-term health insurance because it provides temporary coverage for services such as preventative care, doctor visits, urgent care, and emergency care.
Short-term health insurance plans typically have a lower premium than other types of medical plans, but they also have a higher deductible. This means that you will have to pay more out-of-pocket costs before your plan starts to cover the costs of your medical care.
When you are considering a short-term health plan, it’s crucial to look over the details carefully to make sure it will meet your needs. It’s important that you understand the plan’s coverage and limitations too.
Once you are familiar with the plan, you should compare it to other health insurance options to ensure that you find the best one for you.
That’s where My Healthcare Direct can help! After we speak to you about your current situation, we do the research for you and provide you with a list of options. Once we discuss your choices, you make an educated decision, and we will sign you up.
Keep reading to learn more about short-term health insurance plans or explore our comprehensive short term health insurance FAQ page for valuable insights on coverage, benefits and more.
Hi, Sean Brady here with My Healthcare Direct, and let's dive right in!
All right, what is it? Basically, it's medical insurance that lasts for one month, all the way up to two years or three years from the one month.
What does it cover? So you'll have your doctor's visits, emergency care, urgent care, prescriptions.
Benefits - this is probably the most important one.
It can potentially lower your monthly premium substantially, and what I mean by that is… you know, let's say you have a Marketplace Plan and you're paying… you know, some of our families, maybe 1,000, 1,500 USD a month. Well, if you're healthy, you can potentially get that down to maybe half with some of these short-term plans. So, really good there.
They have a national PPO network, so as far as network goes, many of the ACA plans are HMO plans, so you need a referral to then see a specialist. It can kind of be cumbersome, a little kind of pain in the butt, so to speak. If that's something that you're trying to get away from - national PPO network with these short term plans - very good thing right there.
And then there's also no tax penalty. So you may be thinking: “Well, Sean, am I going to get penalized if I don't have a Marketplace plan?” Not exactly. As of 2019, there is no more tax penalty. So, something to consider there.
Drawbacks - doesn't offer essential coverage or your 10 basic essential health benefits that are required by law with the ACA.
No maternity benefits. So, that's something to consider, and it doesn't cover pre-existing conditions, that's an important one. If you are struggling with some health ailments or you have something going on, this is probably not the plan for you.
But if you're healthy, you know, you're paying a little too much in premium, trying to get that down… this is a great option for you.
If you have questions, which I'm sure you do, go ahead and give us a call and we'll answer them for you.
Short term medical insurance coverage can help you with essential medical expenses when you need it most. Anyone experiencing a lapse in their insurance coverage or a lack of regular health insurance will benefit from short-term plans.
The level of coverage will vary from plan to plan, but it will almost always cover:
Short term plans do not have to follow the rules of the Affordable Care Act (ACA) or cover pre-existing conditions. If you are pregnant or have been diagnosed with cancer or another disease or condition within the last 5 years, your maternity care, cancer treatments, etc. will not be covered.*
There are many different types of health insurance plans available on the market today. Some plans are designed to cover you for a short period of time, while others are intended to provide long-term coverage. If you only need coverage for a short period of time, a short-term health plan can be a cost-effective option.
Short-term health plans have become increasingly popular in recent years, as they offer several advantages over traditional health insurance. The greatest benefit of short-term health plans is, of course, their flexibility.
Plans can last anywhere from as little as 30 days or up to 36 months with a one-time optional renewal. In addition, there is a good chance that you will be accepted for coverage on the same day or the following day that you submit your application.
Short-term health plans are often much less expensive than a traditional health insurance policy. This is because short-term plans usually have fewer benefits than longer-term plans.
Short term insurance plans provide minimum essential coverage, which means they usually do not cover:
*There are always exceptions; Some short term insurance plans will include some of this coverage. Contact My Healthcare Direct for more information.
If you are unsure whether your disability, condition, or illness will be covered under a policy or if you simply want to make sure that certain benefits will be provided, speak with a representative at My Healthcare Direct. We will look at the “exclusions and limitations” of potential plans and help you find a short term plan that’s right for you!
The cost of short-term health insurance will vary depending on the plan you purchase. The most important thing you need to know is that they function on a low-premium model—each plan has a very low monthly premium payment, but high out-of-pocket costs (including both copayment and coinsurance fees).
Also, while some plans include it, not every plan has caps on annual costs while you’re covered by it.
The Affordable Care Act (ACA) requires all Americans to have health insurance or pay a penalty. However, some people are exempt from this requirement, including those who have a hardship, are members of a religious group opposed to insurance, or are incarcerated.
If you don’t have health insurance, a short-term health insurance plan can provide you with a “safety net” in case of a medical emergency. These plans are meant to fill the gap in coverage and are usually much cheaper than traditional health insurance plans. In addition, if you purchase a short-term health insurance plan, you will not have to pay the ACA penalty.
Short-term health insurance can benefit many people, including those who:
For younger individuals, you may need short term insurance if you are a recent college graduate or a dependent no longer covered under your parents’ plan.
The exact coverage and cost you get with a short-term insurance plan will vary, which is why it is so important to work with an agency that can find you the best option for your needs. With My Healthcare Direct, you will get the coverage you need fast and easy. To get started, give us a call at (888) 959-1028 today.
