816-400-4477Missionary Health Insurance
Health Insurance For Missionaries – Your One Stop Solution
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A Guide to Health Insurance for Missionaries
Missionary work can be incredibly fulfilling, but it also comes with its own set of challenges and risks, including health risks. There are health insurance plans designed to provide coverage for those who are doing missionary work, whether it’s short-term or long-term. This type of insurance can help alleviate the financial burden of unexpected medical expenses while serving in a foreign country.
At Apollo Insurance Group, we understand the importance of providing comprehensive coverage for missionaries. That’s why we offer customized insurance plans tailored specifically to the unique needs of those doing missionary work. Our plans provide coverage for medical emergencies, as well as routine check-ups and preventative care.
By offering missionary health insurance, we aim to help support those who are doing important work around the world. We believe that everyone should have access to quality healthcare, regardless of where they are, and we’re committed to providing affordable and reliable coverage for those who are making a difference in the world through their missionary work.
Health Insurance Options For Missionary Workers
Affordable Care Act (ACA) Plans
The Affordable Care Act (ACA), also known as Obamacare or the Marketplace, is a federal law implemented in 2014 to make healthcare more affordable and accessible for all Americans. The law mandates that all health insurance plans must offer Minimum Essential Coverage, and provides subsidies to households earning less than 300% of the Federal Poverty Level. The ACA also includes provisions to help small businesses provide health insurance to their employees, and has decreased the number of uninsured Americans while slowing healthcare cost growth.
Short Term Plans
For individuals who are currently unemployed or living in a different area, short-term health plans can be a helpful safety net. These plans may not offer the same level of coverage as long-term health plans, but they can be a useful option for those who are either uninsured or unable to obtain other forms of coverage. Usually, short-term health plans are only active for a few months, making them a suitable choice for people who do not require long-term coverage.
Health Sharing Plans
Health Sharing Plans are often affiliated with a religion and are usually non-profit. These plans offer healthcare benefits that do not meet the criteria for Minimum Essential Coverage and may have waiting periods for pre-existing conditions. While they are not officially considered insurance, Health Sharing Plans offer comparable benefits.
Basics of Health Insurance
Individual health insurance plans all fall into one of these 4 networks listed below:
Health Maintenance Organizations (HMOs)
HMOs are entities that offer a network of medical professionals, including doctors and specialists, to cater to your healthcare requirements. If you are enrolled in an HMO, you must select a primary care physician who will manage most of your medical needs. In the event that you need to see a specialist, your primary care physician will provide you with a referral to a specialist within your network.
Exclusive Provider Organizations (EPOs)
An Exclusive Provider Organization (EPO) can be an excellent option for those searching for a healthcare plan with a robust network of medical professionals, including doctors and specialists. EPOs only provide coverage for medical services delivered by in-network providers, meaning that treatment from out-of-network providers may not be covered. Nevertheless, many EPOs do not mandate that you have a primary care physician, and none of them require referrals for you to see a specialist.
Preferred Provider Organizations (PPOs)
PPOs are healthcare plans that provide a more extensive care network compared to EPOs or HMOs, but they often entail higher premiums, making them more costly. Similar to EPOs, PPOs do not necessitate a primary care provider or a referral to see a specialist. Furthermore, you can even visit an out-of-network specialist (albeit at a higher cost). For a detailed comparison of HMOs vs. PPOs, click here.
Point-of-Service Plans (POS)
For individuals seeking a healthcare plan with lower premiums, the POS plan can be a viable option, albeit with a smaller care network than PPOs. With a POS plan, you are obligated to have a primary care physician and require their referral to see a specialist. In the event that you opt to visit an out-of-network specialist, the cost would be higher.
Basic Health Insurance Definitions
Premium
A monthly payment you have to make to keep your insurance plan.
Deductible
The amount of money you have to pay on your own for your medical needs before your insurance will start assisting. This will be an annual amount.
Copay
A flat rate you pay per health service, like $10 per doctor’s visit or $5 per bottle of medication. Your insurance will cover the rest.
Co-insurance
A percentage you pay for the cost of each health service. For example, on a 10% coinsurance plan you would pay 10% of each doctor visit, medical procedure, etc. before your insurance covered the rest.
Maximum Out of Pocket
The most money a consumer can spend on out-of-pocket healthcare related expenses for the year. Once the maximum out of pocket is met, the remaining bills are paid 100% by the insurance company.
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Benefits of Health Insurance
There are various benefits of having health insurance.
Primarily, it provides financial protection in the event of accidents or illnesses. Without health insurance, all medical costs would have to be paid out of pocket, which can be expensive.
Additionally, health insurance can aid in paying for preventive care such as regular check-ups and screenings, enabling early diagnosis and treatment of health problems.
Ultimately, health insurance can offer a sense of security, knowing that you and your loved ones are covered in the event of a medical emergency.
Frequently Asked Questions About Health Insurance
What's the best way to look for health insurance?
When shopping for health insurance, it is important to work with an agent or broker who can help you understand the many options available. Agents have access to all the plans on the market, and they can help you find the best one for your needs. With their help, you can avoid getting overwhelmed by the process and make sure you are getting the best coverage possible.
How do you find the right health insurance plan?
The first step is to figure out what’s important to you. Do you need a plan with a low monthly premium? Does your budget allow for a plan with a higher deductible? Are you looking for a PPO or EPO plan? Do you have any preexisting conditions that must be covered? Once you know what’s important to you, it’ll be easier to find the right health insurance plan.
How do I save money when dealing with insurance?
There are a few different ways that people can save money on their insurance premiums. One way is to purchase a plan that is not based on the individual’s income. These plans can be found on the private market, and they typically have lower premiums than the traditional group or ACA plans.
Another way to save money on insurance is to shop around for the best deals. Different insurers offer different rates, so it’s important to compare and contrast the different options available.
Finally, it’s also important to be aware of the subsidies that are available through the Affordable Care Act. Many people are eligible for subsidies, which can help reduce the cost of premiums.
Apollo Will Find the Right Plan for You
Apollo Insurance Group is a health insurance brokerage located in Lee’s Summit, Missouri and Chicago, Illinois. We have been around since 2010, and our mission is to positively impact people’s lives. We do this by fighting to find the best option for our clients, create relationships with our employees, and give back to our communities. Apollo also specializes in Medicare, life insurance, dental, and vision plans. We have agents that are experts on individual health insurance and are ready to help you find the right plan. Fill out our contact form to get in touch with an agent today.
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 right 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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