816-400-4477Avison Young Real Estate Health Insurance
Health Insurance For Real Estate Agents – Your One Stop Solution
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A Guide to Avison Young Real Estate Health Insurance
Our agents truly understand the challenges specific to the real estate industry, such as the notable income fluctuations tied to commission payments. We are familiar with the obstacles faced when running your own business and the impact of various expenses on your disposable income. We also acknowledge the demanding nature of working long hours, including nights and weekends.
At Apollo, we have actively listened and built strong relationships with many realtors. We firmly believe that we can assist you with a wide range of products tailored specifically to meet the unique demands of your professional life as a realtor. It is essential to connect with someone who genuinely understands your world and has developed customized solutions to cater to your needs. Just as you have dedicated time and effort to excel in your field, we encourage you to explore the exclusive options offered by Avison Young Real Estate Health Insurance, designed exclusively for professionals like yourself.
Health Insurance For Real Estate Agents: Options Available
Association Group Insurance Plans
To find dependable health insurance, it is advisable to explore different options and seek advice from individuals who have already reviewed various plans. If you are a member of the Realtor Association, they might offer a health insurance plan tailored to your needs. This can save time as associations typically provide coverage through group policies, including dental benefits. However, it’s important to note that these plans may not always cater to the specific needs of every individual, so it is crucial to ensure suitability before enrolling.
Brokerage Group Health Insurance
When working for a real estate agency, they may offer group health insurance for employees. If available, it’s important to inquire about the offered plans. Typically, new employees have a limited window of 2 to 4 weeks from their start date to enroll. Annual enrollment for the group plan takes place at a specified time each year.
The benefits provided by the group health plan can vary depending on individual needs. Most plans encompass medical care, prescription drug coverage, and routine dental and/or vision care. However, certain plans may have high deductibles or exclude wellness check-ups and cancer screenings. It is crucial to assess your personal healthcare needs to determine if the realtor health insurance offered by the agency aligns well with your requirements.
Affordable Care Act (ACA) Plans
The ACA, also referred to as Obamacare or the Marketplace, is the prevailing legislation in the United States. It mandates that all health insurance plans must offer Minimum Essential Coverage. Additionally, it provides subsidies to families with a household income below 300% of the Federal Poverty Level.
Short Term Plans
Short-term health plans act as a safety net for individuals in temporary job transitions or new locations. Although offering less comprehensive coverage compared to long-term plans, they can be suitable for those without insurance or ineligible for other coverage options. Typically lasting a few months, short-term health plans are ideal for individuals not requiring long-term insurance.
Health Sharing Plans
Health Sharing Plans are typically non-profit organizations, often with religious affiliations. They provide healthcare benefits that do not fall under Minimum Essential Coverage (MEC) and may have waiting periods for pre-existing conditions. While Health Sharing Plans are not legally classified as insurance, they do offer similar benefits to traditional insurance plans.
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 doctors, specialists, and other medical professionals to address your healthcare requirements. When enrolled in an HMO, it is necessary to select a primary care physician who will oversee most of your medical needs. If you require specialized care, your primary care physician will provide a referral to a specialist within the network of the HMO.
Exclusive Provider Organizations (EPOs)
If you desire a healthcare plan with an extensive network of doctors and specialists, an Exclusive Provider Organization (EPO) might be ideal for you. EPOs provide coverage exclusively for medical services rendered by in-network providers, meaning that visits to out-of-network doctors or specialists may not be covered. Nevertheless, many EPOs do not mandate having a primary care physician, and referrals are not required to see a specialist.
Preferred Provider Organizations (PPOs)
PPOs are health insurance plans that provide a broader network of care compared to EPOs or HMOs. However, PPOs often come with higher premiums to account for the expanded network. Similar to EPOs, PPOs do not mandate having a primary care provider, and referrals are not necessary to see a specialist. Additionally, PPOs allow you the flexibility to visit out-of-network specialists, although it may result in higher costs. For a detailed comparison of HMOs and PPOs, please refer to this link.
Point-of-Service Plans (POS)
The POS plan is an excellent choice for individuals seeking lower premiums, although it offers a smaller care network compared to a PPO. With a POS plan, having a primary care physician is a requirement, and you will need their referral to consult a specialist. If you decide to visit an out-of-network specialist, it will result in higher costs.
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
Health insurance offers numerous advantages. Primarily, it provides financial protection in case of accidents or illnesses. Without health insurance, you would be liable for all medical expenses, which can rapidly accumulate and become costly. Additionally, health insurance aids in covering the costs of preventive care, including routine check-ups and screenings. This proactive approach enables the early detection and treatment of health issues when they are more manageable. Lastly, health insurance offers peace of mind, assuring that you and your family are safeguarded during health emergencies.
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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