Individual & Family Health Insurance

Health Insurance Plans

1. Affordable Care Act Plans

The Affordable Care Act (ACA) is a law that mandates health insurance companies to offer major medical, comprehensive coverage or even plans known as “Obamacare” and they’re typically the most complete policies on the market. If you have chronic illness or face an emergency, these ACA-compliant plans can protect you from overwhelming expenses!

ACA plans can save you money and provide benefits for a broad range of health care services including doctor visits, prescriptions drugs as well as both inpatient and outpatient. This health insurance coverage is available to everyone regardless of if they have preexisting conditions or not.

2. Medical Indemnity Plans

These plans are known as fee-for-service plans. If you visit the doctor, for example, and your bill is $100 but they have a plan that pays out only $50 per medical service; then this type of insurance would give you back to what it says on the fifty dollars!

Medical indemnity plans can be a good supplement to your health insurance. For example, you could choose to purchase medical indemnity as an addition or backup for out-of-pocket expenses like copays and coinsurance that are not covered by other types of healthcare coverage such as short-term health benefits. With these protections in place, this type of plan will provide peace of mind without breaking the bank on many distinct levels because it is going after what’s left over – which doesn’t cover preexisting conditions, nor does it include any lifetime limits but still offers some protection from financial risk if something major were ever to happen during their chosen time limit.

Medical indemnity plans are not right for everyone, but if you want help covering medical costs and expenses, they may be worth a second look.

3. Short-Term Health Insurance

Short-term plans are a temporary way to cover yourself with health insurance for a short timeframe. They offer basic coverage and can be for any period between 30 days and 12 months, depending on the type of short-term plan you choose. This flexible option is ideal for people that have gaps in their coverage needs or cannot afford monthly premiums of other types of long-term policies.

This can often be referred to as accident insurance.

Easy enrollment and quick turnaround times make these options desirable among many people who need access to medical care without all the headaches!

4. Children’s Health Insurance Program (CHIP)

CHIP is a government program that provides health insurance coverage to eligible children through both Medicaid and separate CHIP programs. It’s administered by states, offering financial assistance, according to federal requirements which provide funding jointly between state governments and the federal government. To learn more about Missouri’s Children’s Health Insurance Program (CHIP), visit https://mydss.mo.gov/healthcare/mohealthnet-for-kids

5. Dental Insurance

We offer several options for dental insurance. Dental plans have different monthly premiums, waiting periods, and services covered. View your dental insurance options available in your area.

6. Long-Term Care Insurance

Long-term care insurance is a product that helps pay for the costs associated with long-term care. Long-terms, in general, are not covered by health insurance or Medicare but this type of policy does cover some aspects such as medical attention and living assistance.