816-400-4477Colliers Real Estate Health Insurance
Health Insurance For Real Estate Agents – Your One Stop Solution
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A Guide to Colliers Real Estate Health Insurance
Our agents understand the unique challenges faced by professionals in the real estate industry, including fluctuating income and the expenses associated with being self-employed. We are aware of the long hours and weekend work that are often part of the job. At Apollo, we have built strong relationships with many professionals in the Colliers Real Estate industry and can offer customized solutions to meet your specific needs. Our agents are familiar with your world and can guide you through the different Colliers Real Estate health insurance options available. We encourage you to take advantage of our expertise and learn about the unique health insurance options tailored for professionals in the Colliers Real Estate field.
Health Insurance For Real Estate Agents: Options Available
Association Group Insurance Plans
To find reliable health insurance, it is advisable to compare various plans and seek advice from individuals who have already gone through the selection process. As a member of a Realtor Association, it is worth exploring if they provide health insurance options through group policies, which may include dental coverage. However, it is crucial to assess these policies carefully to ensure they meet your specific needs before enrolling.
Brokerage Group Health Insurance
The coverage provided by the group health plan can vary depending on your needs. While most plans include medical care, prescription drug coverage, and routine dental and vision care, some may have a high deductible or exclude certain services. When evaluating the realtor health insurance offered by your agency, consider your personal healthcare needs carefully.
Affordable Care Act (ACA) Plans
The Affordable Care Act (ACA), also known as Obamacare or the Marketplace, is a federal law that requires all health insurance plans to provide Minimum Essential Coverage. It also offers subsidies to households with incomes below 300% of the Federal Poverty Level to help with the cost of insurance.
Short Term Plans
Short-term health plans can be a valuable safety net for individuals facing temporary gaps in insurance coverage, such as those transitioning between jobs or relocating to a new area. Although they offer less comprehensive coverage compared to long-term plans, short-term options can still be a viable choice for individuals who are ineligible for other types of coverage. These plans typically provide coverage for a few months, making them a cost-effective solution for those who only require temporary insurance.
Health Sharing Plans
Health Sharing Plans are typically non-profit organizations, often with a religious affiliation, that offer healthcare benefits which may not meet the requirements for Minimum Essential Coverage. These plans may have waiting periods for pre-existing conditions, and although they are not legally classified as insurance, they can provide similar benefits. While Health Sharing Plans operate differently from traditional insurance, they offer an alternative option for individuals seeking healthcare coverage.
Basics of Health Insurance
Individual health insurance plans all fall into one of these 4 networks listed below:
Health Maintenance Organizations (HMOs)
HMOs are healthcare organizations that provide a network of medical professionals, including doctors and specialists, to meet your healthcare needs. When enrolled in an HMO plan, it is necessary to select a primary care physician who will oversee and coordinate your healthcare. If you require specialized medical services, your primary care physician will refer you to an appropriate specialist within the HMO’s network.
Exclusive Provider Organizations (EPOs)
If you are in need of a healthcare plan with an extensive network of medical professionals, an Exclusive Provider Organization (EPO) could be a suitable option for you. EPOs provide coverage exclusively for in-network medical services, which means that expenses incurred from visiting out-of-network doctors or specialists may not be covered. However, one advantage of EPOs is that they typically do not require you to select a primary care physician, and you can directly consult with a specialist without needing a referral.
Preferred Provider Organizations (PPOs)
If you want a healthcare plan with a large provider network, consider a Preferred Provider Organization (PPO). PPOs have higher premiums than EPOs or HMOs but offer more provider options. Unlike HMOs, PPOs don’t require a primary care provider, and like EPOs, they don’t need referrals for specialists. Keep in mind that seeing an out-of-network specialist with a PPO may be costlier. For a detailed HMO vs. PPO comparison, visit this link.
Point-of-Service Plans (POS)
The POS plan is a great option if you want lower premiums and are comfortable with a smaller care network compared to a PPO. With a POS plan, having a primary care physician is mandatory, and you’ll need their referral to see a specialist. Seeing an out-of-network specialist may result in higher costs. However, POS plans still provide dependable coverage and are a suitable choice for those looking to balance cost and network size.
Basic Health Insurance Definitions
Premium
Deductible
Copay
Co-insurance
Maximum Out of Pocket
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Benefits of Health Insurance
Health insurance offers several important benefits. Firstly, it provides crucial financial protection in the event of unexpected illnesses or accidents. Without insurance, medical expenses can quickly accumulate and become overwhelming. Secondly, health insurance covers preventive care, such as routine check-ups and screenings, which can help identify and address health issues early on. This proactive approach can lead to better health outcomes and lower healthcare costs in the long run. Lastly, having health insurance brings peace of mind, knowing that you and your family are safeguarded and have access to necessary medical care when needed.
Frequently Asked Questions About Health Insurance
What's the best way to look for health insurance?
How do you 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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