Affordable Medicare Insurance
Avoid Choosing the Wrong Medicare Insurance Plan!
Tracy McManamon at One Source Benefits has been a family-owned business for over 35 years. I am very knowledgeable in all areas of Medicare Insurance including Medicare Advantage Plans and Medicare Supplement Plans, Medicare Part D Drug Plans, Dental and Vision Plans for Seniors, and Final Expense plans as well as group and individual health insurance, including the ACA Marketplace Plans. Let me get started by helping you understand your many options.
Immediate Medicare Insurance and Health Quotes:
- Our rates are up to 50% less expensive than Major Medical companies making it easier to afford
coverage
- Receive instant approval with a 5-7 question online application
- You’re covered up to $50 for Doctor visits and Urgent Care co-pays
- You get immediate access to download and print ID cards and plan documents
- Covered benefits are paid the same way, whether in or outside the broad and highly accessible provider network!
Competitive Rates:
- Health plans for a Male Age 28 start at $45.00 per month
- Health Plans for a Couple Age 35 start at $125.00 per month
- Health Plans for a Family of 4 starts at $175.00 per month
One Source Benefits, a reliable partner in your quest for Medicare Insurance and health coverage, can
assist you in obtaining affordable,
short-term health insurance</a >.
A
short-term health insurance plan </a >is a temporary alternative to traditional individual medical insurance
coverage and can help tide over special circumstances. They are formulated to
help people who have temporary health insurances needs. The coverage period
can range from one month to as long as eleven months.
Short-term plans are ideal if you are:
- Between jobs
- Waiting for employer coverage
- Recently graduated from school
- Recently removed from parent’s plan
- A foreigner living temporarily in the United States (with a U.S. address)
Why Are Short-Term Insurance Plans Right For You?</span >
One of the unique features of short-term insurance is that a policy can have an
effective date of coverage as early as the day it is postmarked or
electronically submitted through an agent. This means coverage begins almost
immediately. A few of the many ways short-term plans are different from
traditional individual health insurance policies are:
- Limited Underwriting: short-term plans have only a few
underwriting questions, such as, whether you have had or have certain
conditions like a heart condition, diabetes, acquired immune disease, or
currently pregnant.
- Coverage Limits: the expenses for either treatment or the cost
of medication for pre-existing conditions will most likely not be covered.
Under the new law, these plans will not include any preventative benefits
such as a physical or immunization. Doctor’s office visits, hospital
charges, and emergency care are usually covered. Prescription drugs are
covered for an accident or illness that occurs during the plan period.
- Non-renewable: short-term medical insurance cannot be
renewed. You would need to re-apply when your plan expires.
FAQ’s on Short Term Health Insurance</span >
-
A. Because Short Term policies cannot be automatically renewed, you
will need to reapply for a new plan.
When looking to purchase a new plan, you have several options:</span >· You can reapply for a new Short Term policy: If you are able to meet the
requirements, most companies allow you to reapply at least once for a new
plan. It is important to note that these plans do NOT meet the minimum
essential benefits under -</span >
If you experience a qualifying event, you are eligible to purchase a major
medical plan under Obamacare outside of the normal enrollment period. Your
short-term policy expiring is not considered a qualifying event.</span >
· Wait until open enrollment begins: You can always choose to wait until the
open enrollment period opens once again for Obamacare enrollment.</span >
-
A. You have several options.· You can discuss your eligibility and application with one of our
experienced agents who can help you choose the option that is best for
you.</span >
· If you are concerned about a gap in coverage, you can adjust your effective
date.
-
A. No, Short Term plans are not renewable. If you would like to have the same
plan you can re-apply but will need to go through the underwriting process
again. Your options once your plan ends can vary depending on your health
status:</span >If you have not developed any health conditions that would make you
ineligible for this coverage: then you can purchase a new Short Term health
plan.</span >If you have a condition that disqualifies you: then you will not be able to
purchase a new Short Term health plan, as they do not cover pre-existing
conditions.</span >· Example 1. Broken leg. If you broke your leg while enrolled in your first
Short Term plan, you will be eligible to purchase a new Short Term plan.
However, any medical expenses related to your injury will not be covered by
the new plan.</span >
· Example 2. Cancer. If you develop any form of cancer while enrolled in your
first Short Term plan you will not be eligible to purchase a new plan once
your enrollment period ends.</span >While you would not be eligible for a Short Term policy, you can purchase a
major medical plan once open enrollment begins or during the special
enrollment period if you experience a qualifying event.</span >
-
A. Short Term Medical plans can be purchased from 1-11 months or the exact
number of days in which you need coverage. The length of coverage can vary by
state.</span >
-
A. Coverage for Short Term plans can begin the very next day after online
application or the day after your application is postmarked if submitted via
mail.</span >
-
A. Individuals applying for coverage can range from 30 days to 64 years and
11 months. This varies by state.</span >
-
A. A pre-existing condition is a medical condition due to either injury or
sickness for which you received advice or medical treatment within the 5-year
period preceding your application for Short Term health insurance. Any
treatment for pre-existing conditions will not be covered under your Short
Term policy.</span >
-
A. No. In order to change your deductible, a new policy must be
purchased.</span >
-
A. No. A new policy must be purchased to remove or add a family member.</span >
-
A. Your lifetime maximum is the maximum amount your policy will pay towards
your medical bills.</span >
-
A. Yes. Short Term plans do not have preferred networks so you can go
wherever you choose for medical care.</span >
-
A. Prescription drugs are covered if prescribed for an illness or injury that
occurred while your policy was in effect.</span >
-
A. No. These plans are not designed to cover dental and vision care that is
not related to an injury. Short Term plans are built to protect you in the
case of an accident or illness.</span >
-
A. No. Short Term plans do not cover any medical expense that is not related
to an accident or illness that occurs during the period when the plan is in
force.</span >
-
A. It varies per your situation· Yes, if you wish to purchase an Obamacare plan with subsidy eligibility,
you can purchase a new plan at any time as long as you meet the requirements
for a qualifying event. These events include but are not limited to birth or
adoption of a child, change in subsidy eligibility and marriage. However, if
you are purchasing a plan OFF-EXCHANGE, a major medical plan can be purchased
at any time.</span >
· Not until open enrollment periods. Unless you meet the requirements listed
above, you cannot purchase an Obamacare plan at any time. What this means is
that if you choose not to purchase a new Short Term plan or are unable to and you
do not have coverage until January 1, 2018, then you may experience a gap in
your coverage.</span >
-
A. This coverage contains the minimum that all plans must offer to
individuals in order to meet the Affordable Care Act mandate.</span >