But there are choices for healthcare coverage.
Depending on the level of need for an individual, business, or family, a health plan may be an optimal choice over insurance.
While several options exist for healthcare coverage, choosing the best one can feel like playing Russian Roulette with your sanity and physical well-being.
How do you know that what you’re choosing is the best for yourself and your family, or for you and your employees?
Health insurance may be best for those who need a high-level of medical care, or for larger companies who can negotiate cost of coverage. On the other hand, a health plan is a great option for small businesses, individuals, and families who are in relatively good health, and who want a choice in preventative care providers, such as chiropractors, naturopaths, and holistic doctors. While also having a plan that provides hospital choice and coverage in the event of an accident or major illness.
Showing you the cost of both options to uncover which is the best choice for you and those who depend on you is how I can help.
- Medicaid helps those who earn low to no income
- Affordable Care Act (Obamacare) plans help those who earn low to medium income
- Private Plans or plans not on the exchange help those who earn a higher income, or for those who don’t want to be on the exchange and submit tax information for audit
- People who don’t choose an option pay cash as they go, or buy a supplemental plan
- Medicare is available for those 65 and over
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For health insurance coverage please add the following items together:
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Health insurance works well for people whose health is less than average. It does help families or groups who regularly need medical visits, and for those who have extensive pharmaceutical costs. Health insurance works well too for larger companies who can negotiate with the insurance company about the cost of providing insurance to their employees.
The preventative plan cost is $75.00 to $175.00 per person and includes such things as doctor visits and prescriptions:
The major medical plan cost per person is between $150.00 to $200.00, depending on the IUA (Initial Unshareable Amount or maximum out of pocket cost per major medical incident. It’s similar to a deductible.) chosen.
The age groups and pricing for the major medical plan are listed on the Planstin Page.
$1,000.00 IUA for $150.00 to 200.00 per month per person (Age Brackets 18-64)
$2,500.00 IUA for $100.00 to $175.00 per month per person (Age Brackets 18-64)
$5000.00 IUA for $75.00 to $125.00 per month per person (Age Brackets 18-64)
*Prices are available for couples, single parent and children, or for two parents and child(ren).
The Dental plan is $40.00 per person.
The Vision plan cost is $10.00 per person.
Health Plans work well for individuals in general good health. It’s a great way for self-employed individuals to have health coverage too. Plus, Health Plans work well for families and individuals who are in general good health, but still want coverage for going to a provider of their choosing, whether it is a medical doctor or naturopath. Health Plans are an affordable option for small businesses who want to offer health coverage, but the company may not meet specific criteria of health insurance companies, or may not be able to cover the cost of health insurance for employees.
Health Plans offer a real option for those who want a real choice in personal healthcare coverage.