Alternative Health Coverage Options
There’s no reason you have to go without health insurance. And there’s every good reason to avoid being under-insured. Whether you find yourself without coverage between open enrollment periods, or haven’t yet considered supplementing your current coverage with additional benefits designed to help you reduce out-of-pocket costs, HSA for America offers affordable, valuable solutions for just about any situation.
Closing Gaps in Coverage
If you are without health insurance between open enrollment periods and don’t qualify for a special enrollment period, there are alternative coverage options available to you. Below are several low-cost options to reduce your out-of-pocket cost should you require medical treatment. Applying is easy and hassle-free, and some plans provide coverage as soon as the very next day. Our Personal Benefits Consultants are readily available to help you choose the option that works best for you.
Opt Out of Obamacare, with a Health Care Sharing Plan
If you are fed up with the outrageous monthly premiums associated with today’s Affordable Care Act (ACA) plans, (especially if you don’t receive a monthly subsidy to help with payments!), you’re not alone. Luckily, there’s an alternative to ACA plans that allows you to *legally opt out *of this typically government-mandated coverage. Health Care Sharing Ministries (HCSMs) offer *much lower monthly costs* for their members (typically *less than 1/2 the cost* of an ACA plan). Though these plans are *not* insurance policies, they do offer protection of up to $1 million per person, with the
Short-term Medical Plans
Short-term medical plans are the popular choice for people who want solid health coverage to bridge the gap between open enrollment periods. Short-term coverage is available for 30 days to 11 months. Depending on where you live, you can choose how long you want short-term coverage, and it can begin the day after you enroll.
Like the name implies, a fixed-benefit plan delivers set cash amounts with zero deductibles required. These plans are not subject to an open enrollment period because they are not Affordable Care Act plans. This also means that they are not required to include ACA-qualified 10 Essential Benefits.
Fixed-benefit plans are very affordable as a solid coverage choice between ACA open enrollment periods or for those who do not qualify for a special enrollment period. Save on out-of-pocket expenses for doctor visits, imaging services, hospitalization costs and prescription medications.
Critical Illness Plans
Even if you have major medical insurance, an unexpected or serious illness can cost you thousands in out-of-pocket costs before meeting your deductible. Critical illness coverage can help pay for medical treatment, as well as compromised living expenses, resulting from your illness.
The benefits of adding a critical illness plan to your insurance coverage offer important protection for a number of health conditions such as cancer, heart attack, stroke, organ transplant, paralysis, burns, Alzheimer’s, and more. A large number of HSA for America clients add a critical illness plan as an addition to major medical coverage.
Supplemental Accident Plans
You may feel at ease having major medical insurance. That’s a good thing! But what if you or a family member on your plan suffers an accident that requires hospitalization, surgery or other treatment? You could be out-of-pocket thousands of dollars before you even meet your major medical deductible.
Supplemental Accident plans can cover you up to $10,000 after a $100 deductible. You can sign up for a $2,500 coverage plan for less than $30 per month.
Accidents happen. Be prepared with a low-cost accident plan.
Additional Benefits for More Savings
HSA for America offers top-rated additional ways to save money. You could be spending more than you have to on prescriptions, lab tests, and diagnostic imaging. Our additional benefits are selected for their exceptional ratings and value, with many that are free to you. Get comprehensive identity-theft protection, expert bill negotiation services, estate planning and even pet insurance.
Check out our Additional Benefits page for great savings and free discount programs -- from prescriptions discounts to pet insurance!
Special Enrollment Periods
The Affordable Care Act provides for special enrollment periods for those who qualify. Special enrollment periods give you 60 days from a qualifying life-event in order to enroll in new ACA-qualified coverage between standard open enrollment periods.
We’re Here to Help
HSA for America Personal Benefits Consultants are backed by 25 years of health insurance expertise. Our independent, licensed Personal Benefits Consultants work for you, not the insurance companies, to help you get great coverage while saving you more money!