How do I know what Health Insurance policy is the right one?

Not all insurance policies work the same. Some will help others more than it will help you. Benefits vary, and to determine the best one for you, we first have to determine your needs. You may need to have a policy that is a Major Medical, or may qualify for a subsidy under the Affordable Care Act. You may need to get a policy to bridge the gap until employer coverage starts. There are plenty of different scenarios that will have to be considered when choosing that right policy. Give us a call and we can help!

What’s the difference between ACA plans and non-ACA plans?

Affordable Care Act, also known as “Obamacare” policies are required to meet the 10 Essential Health Benefits (EHB) to be deemed a “Qualified Health Plan” (QHP). The policies are required to accept anyone regardless of health status.

Non-ACA plans or private Insurance policies do not have to follow the 10 Essential Health Benefits and can determine eligibility through underwriting, and decline you coverage based on health status. This typically allows for lower prices while maintaining coverage that you need.

What if I only need a policy for a couple months?

Many carriers actually have month to month policies. Typically policies don’t have a fee for cancellation. Working with a Legacye Health Advsior, we can help determine which is the best direction for your healthcare, whether short or long term.

Why use a Legacye Health Advisor if I can do it myself?

Having a Licensed advsior by your side is a huge benefit. Not only can we guide you to make the most educated decision regarding your healthcare, but we can also work with carriers for you. Our service is at no cost to you at all. We care about you and your health!