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Health Insurance Broker Services
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it’s a challenge to navigate and find the best plan for your budget and needs.
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
Do you want to provide an affordable insurance option for your employees?
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
Let’s be honest, we often don’t think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
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
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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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
Short term plans are meant to be an option when you are: in-between health insurance plans, outside of open enrollment times, or solely want coverage in case of a catastrophe. These plans are typically the most affordable each month but also come with the least comprehensive benefit package
Health Sharing Ministries
In a health care sharing ministry (HCSM), members follow a common set of religious or ethical beliefs and contribute — typically monthly — a payment, or share, to help cover the qualifying medical expenses of other members. HCSM’s are consistently growing in popularity as other insurance carriers continue to raise monthly premiums.
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
In-Network is a provider has agreed to no only accept your health insurance plan, but agree to discounts to the consumer with a specific insurance 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
Out-of-network usually refers to hospitals and physicians who do not participate in an insurer’s provider network. These healthcare providers usually do not sign contracts to accept the negotiated prices.
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?
A yearly period in the winter that people can enroll in a health insurance plan. For open enrollment 2023, this will be from November 1, 2022 to January 15, 2023. You can enroll outside of this period if you have a qualifying life event.
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?
Most people don’t realize that there are other options besides their traditional group plans or Affordable Care Act (ACA) plans that are available. Different plans look at different criteria to determine price. For example, the Affordable Care Act will determine prices based on the household income. A higher income typically comes with a higher premium. In this case, a high-income family or individual is more likely to find affordable options on the private market.
How do you find the right plan?
To find the right plan, you must know what is truly important to you. Is price the most important thing to you? Do you want a plan that is going to be a PPO? Do you want something that is going to cover all preexisting conditions, or do you have a certain doctor that you want to continue to see? Once you have answered some of these questions, your choices will begin to narrow down to find the right option for you.
How do I access my health insurance information?
All carriers will send out welcome emails that give you access to your member portal to access plan info, ID cards. They will also send out the welcome packet along with the ID cards in the mail. If for some reason you are at the doctor and don’t have the card, you can call the carrier’s customer service number and get your policy number over the phone.
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.Highly Rank This Page
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