PRIVATE PLAN ESTIMATED COSTS

Dental plans are typically an add on to Health insurance plans and range from $28-40 per person. They typically cover regular cleaning with X-rays. Minor and major dental work is usually covered with a copay and have a waiting period, for example a cavity filling may be covered 80% by the insurance company after a 30 day waiting period. This is to prohibit individuals from getting dental insurance, having wisdom teeth removed and cancelling plan the next day. 

Vision insurance are typically an add on to health insurance plans and range from $10-16 per person. They cover an annual examination and have a small copay ($10 is typical) for lenses, frames, and contacts. 

Also known as ObamaCare or ACA. Some of these plans include BlueCross, BlueShield, Ambetter, and state insurance. There is no underwriting process for these plans and must accept all individuals no matter what pre-existing health conditions exist. due to this "accept all" policy, the plans typically come with a very high out of pocket expense to cover everyones needs. These expenses come in the form of deductible, coinsurance, and co-payments. It is imperative to look at all the plan details prior to choosing the correct one that fits specific needs. The cost of the plan is set in stone on a "per plan age/zipcode dependent" so everyone in a specific zip code and age bracket has the same premium cost for the same plan. the difference in overall cost to the individual is based on income, the lower the income level, the more discounts available. income varies due to area cost of living, dependents, and other income based factors. 

Private insurance is designed for individuals that do not qualify for discounts due to income levels on Marketplace. They are not income based and the cost of the monthly premium is based on health history. Individuals that live a healthy lifestyle can obtain very good insurance with no deductible and no coinsurance for a small monthly cost. Pre-existing conditions will cause the cost of private health insurance to rise, there typically is coverage to suit everyone's specific needs and wants. Private health insurance is built as an "ala carte" type plan where the basic plan is selected and benefits are added or subtracted as needed. these options can include dental, vision, term insurance, income protection, among many other options. 

Telemedice is an option typically added at a no or low cost option to many private health care plans. this enables the individual to contact a doctor 24/7 for minor medical questions and have a prescription called in if needed. This is free service to use with no limit on number of times with most plans. 

An added benefit to private plans is the ability to obtain income protection in the event of a catastrophic medical issue. these are designed to help the individual or family to keep up with daily bills and part of the plan that one hopes to never use but is very helpful if the situation arises. the amount and term is selected when the plan is selected. 

Some plans limit the amount of accident protection that is available and smaller accidents (such as a broken bone) will have a higher than normal deductible. Accident protector is a bridge that typically entails a much smaller, one time deductible for the intermediate medical issues

MedGuard is an addition to private health care plans that cover household expenses in the event of a critical illness in a lump sum payment. this helps the individual cover multiple months or even years of expenses while fighting the disease.

MedGuard is an addition to private health care plans that cover household expenses in the event of a critical illness in a lump sum payment. this helps the individual cover multiple months or even years of expenses while fighting the disease.

When researching a health insurance plan, three things to pay special attention to are deductibles, coinsurance and copays. a deductible is a set amount that must be paid before insurance benefits start. This can range from zero to several thousand depending on the plan chosen. Co-insurance is a set amount that must be paid per incident such as a doctor visit while a copay is a certain percent that must be paid per incident. an example of this is: A doctor charges $200 for a visit. With a deductible, the individual will cover the entire invoice until the deductible for the year is covered, with coinsurance, the individual will be responsible for a set amount (ex. $35 out of the $200) and with Copay it is a certain percent (ex. 70/30 copay would be $60 individual covered and remaining covered by the insurance company). This is an important factor when selecting insurance plans as the yearly out of pocket expense can vary greatly and can make a larger financial impact versus monthly premiums. 

PremierMed is an addition to private health care plans that cover household expenses in the event of a critical illness in a lump sum payment. this helps the individual cover multiple months or even years of expenses. 

PremierMed is an addition to private health care plans that cover household expenses in the event of a critical illness in a lump sum payment. this helps the individual cover multiple months or even years of expenses.