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Health Insurance Broker Services
Individual Health Insurance
That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.
Group Health Insurance
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Dental Insurance
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
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We’ll Handle All Your Insurance Needs With No Extra Cost.
Health Insurance Plan Options
Government Subsidized Marketplace (ACA)
HealthCare.gov is a website ran by the United States government to assist consumers purchase a health insurance plan; oftentimes you will hear it referred to as the “health insurance marketplace.” You are able to compare plans and select the plan that best fits your health and financial needs. Consumers who used this site paid, on average, 38 percent less per month than those whose plans were automatically renewed. Plans purchased on HealthCare.gov are comprehensive and are guaranteed to cover the essentials.
Short Term Plans
Health Sharing Ministries
What are the differences between ACA metal levels?
Bronze
Bronze plans are the cheapest health insurance plans on the Marketplace. These plans tend to have high deductibles, high max-out-of-pockets, and expensive copays (or, more often, no copays) before the deductible is reached.
Average bronze plan premiums are roughly $100/month cheaper than average silver premiums. Subsidies can take that even lower; in the U.S. right now, 2 out of every 5 uninsured people qualify for a $0 bronze health insurance plan after subsidies are applied.
Silver
Silver plans are a middle ground between bronze and gold plans. They are more expensive per month than bronze plans; however, when you put them to use, you will notice their deductibles and copays are lower. They are not as low as gold plans, of course, but lower than bronze: a nice middle ground.
There is one aspect of silver plans that makes them more popular than they might otherwise be: Cost Sharing Reductions.
Cost Sharing Reduction
Cost Sharing Reductions are a type of discount that people at or under a certain income threshold can apply towards their ACA insurance costs. A Cost Sharing Reduction can potentially lower the costs of your deductible, coinsurance, maximum out of pocket, and copays.
To qualify for cost sharing reductions, your household income must be within 250% of the Federal Poverty Level and you must have a silver level Marketplace plan.
Gold
Gold plans are the cream of the crop in regards to ACA plans. They have the highest monthly premiums of any ACA plans; on average, they cost $200/month more than comparable bronze plans. For that extra money, though, they provide much more comprehensive coverage.
Most gold plans have much lower deductibles, copays, coinsurance, and max-out-of-pocket costs than other Marketplace plans. Some of these plans may even have $0 deductibles or copay/coinsurance before you reach your deductible.
The premiums on gold plans are going to be high for anybody, even after subsidies. However, if you expect to have a lot of medical expenses, then they can be well worth the price.
Health Insurance Networks
Exclusive Provider Organization (EPO) Network
This is the smallest network available for consumers and there are no out of network benefits.
Health Maintenance Organization (HMO) Network
There are required referrals to see specialists. There are no out of network benefits promised (life-threatening emergencies can potentially be covered).
Preferred Provider Organization (PPO) Network
This is the most expansive network that a consumer can purchase. It always includes a PPO in-network discount when you see in-networks providers, but typically provides out of network benefits as well.
What is the difference between in-network and out-of-network?
IN-NETWORK
For example: John Doe accepts Aetna and will let you come and see him. But, if you have Blue Cross, you will get more discounts and cheaper treatment because he is in-network with Blue Cross.
OUT-OF-NETWORK
What is a qualifying life event?
This is an event that takes place that gives you a special enrollment period. All of the possible qualifying life events are listed below.
Loss of Health Coverage
- Your dependents or you lose health coverage because of loss of eligibility or loss of employer contributions
- You or your spouse takes an unpaid leave of absence
- You become eligible for or lose Medicaid coverage
- You or your spouse has a change in employment status
- You turn 26 and loose coverage from your parent’s plan
Change in Household
- You get married, divorced, or legally separated (with court order)
- You have a child or adopt a child
- There is a death in the family
Change in Residence
- Moving to a new home with a new Zip code or county
- Moving to the U.S. from a foreign country
- A student moving to or from the place they attend school
- A seasonal worker moving to or from the place they both live and work
- Moving to or from a shelter or other transitional housing
Other Qualifying Events
- Changes in your income that affect the coverage you qualify for
- Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
- Becoming a U.S. citizen
- Leaving incarceration (jail or prison)
- AmeriCorps members starting or ending their service
What is Open Enrollment?
Frequently Asked Questions
Do I need a SSN (Social Security Number) to get Health Insurance?
Some plans require an SSN, but you may be eligible for coverage through legal immigration (permanent resident card, employment authorization card, work/travel visa, and foreign passport).
How do you save money when dealing with health insurance?
How do you find the right plan?
How do I access my health insurance information?
Bonus: The Benefits of a Broker
The fact of the matter is this: most people would benefit from using a broker to find health insurance. They have extensive knowledge of the health insurance industry, and their ability to find and compare plans most likely can’t be replicated by an ordinary person. Any costs associated with them are already baked into premium payments for everybody, regardless of whether they use a broker or not.
If you want to work with a broker, then there is no better place to go than Apollo Insurance Group. Our brokers are licensed and trained annually and can help you find the plan that best suits your individual needs and budget. Talking to them is totally free and there is no obligation to enroll.
Health Insurance Testimonials
I don't know much about insurance, but I know these are the people I want to work with. My rep has been Matt Sisk for the last two years and I hope he's my rep for the next fifty. Best customer service I've ever received, very quick responses, and very personable. He even asked me about my cat. Can't exaggerate it enough, if you get the opportunity ask for Matt Sisk. 10/10, he's so great
Ashley - Happy Client
I had the pleasure of working with Jacob Katzfey during Open Enrollment. He directed me to the right policy for my situation. His professionalism and ability to explain all the policy benefits made the process super easy and stress free. Thanks you for all your help.
Randy - Happy Client
Austin has been fantastic to work with. This was my first time getting an individual plan and he really helped me through out the whole process. I have already recommended him to many friends and family because I was so impressed with the high quality service he provided me. Thank you so much Austin for all your help and hard work.
Brik - Happy Client
Stacia's Story: Overcoming Cancer Treatment Costs with Apollo Health Insurance
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