Need Individual or Family Insurance - Get the Healthcare You and Your Family Deserve.
NAVIGATING HEALTHCARE MADE EASY
No Cost Consultation
Understanding all the options for healthcare insurance can be confusing. Sandy will answer your questions and clarify the insurance options you have. Sandy likes to keep it simple and make it easy for you to understand. The consultation is free of charge to you and your loved ones.
Discovery Discussion You Decide
With a few simple questions, Sandy can help compare healthcare insurance plans to determine where you are financially exposed or if the plan you have is the proper fit for your healthcare needs.
Partnering with you through the Process
Sandy has a strong commitment to be knowledgeable from start to finish. She helps make the process easy from evaluating if you qualify of cost savings reductions to the enrollment process and choosing and signing up for the right plan that works for you and your loved ones.
You Need Healthcare Insurance - What Are Your Options?
Enrollment
Enrollment – Are you outside the normal Open Enrollment Periods?
Special Enrollment Period – Life happens. There are circumstances that you may qualify for to enroll in a plan outside of the typical enrollment periods.
Qualifications – Whether you’ve lot your job, aged out of your parents’ plan, or experienced another life-changing event, you don’t have to worry – you’re not alone, and you have options.
Do You Qualify for Cost Savings Options?
Evaluating your current situation and the healthcare savings options available is essential when affording the healthcare you deserve:
- Medicaid
- Advanced Premium or Premium Tax Credits
- Cost Savings Reductions
- Affordable Plans Available In Your Area
Choose Coverage
After you confirm your financial savings options you can choose your plan:
- On-exchange or Off-exchange
- Choosing the right tier plan: Bronze, Silver or Gold
- In network providers, affordable prescriptions, which carrier offers the plan that meets your healthcare needs.
Enroll In A Plan
Work With Your Independent Broker (no cost to you):
- Confirm your coverage and plan choices
- Complete Application & Enrollment
Peace of Mind
Celebrate!
- You’ve done the hard work
- Your’ve made the decisions
- You have healthcare insurance to meet the needs of your family.
- Than you for letting me be a part of your journey
Want to Know More? Book a FREE consultation
FAQs
You may be able to get on your spouse’s insurance. Key questions are does it provide the healthcare you need and is it affordable?
On the exchange – ” refers to health insurance plans purchased through a state or federal health insurance exchange (also known as a Marketplace). These plans are designed to be more affordable and accessible, offering potential subsidies and cost-sharing reductions based on income.
On-exchange plans also meet the requirements of the Affordable Care Act (ACA) You can access these plans through Healthcare.gov. If your state has its own site you will be referenced to that site. For example, in Colorado you will be directed to Connect for Health Colorado.
Off the exchange – refers to plans purchased directly from an insurance company or through a broker, rather than through a state or federal marketplace like Healthcare.gov. These plans may offer more flexibility in terms of coverage and pricing, but they do not qualify for premium subsidies or cost-sharing reductions that are available through the exchange.
So which is a better option? It depends… both on and off exchange plans fall under ACA compliance, providing minimum coverage and essential health benefits, but may offer more flexibility in coverage options. One of the biggest differences with an off-exchange plan is that you won’t be eligible for the premium subsidies and cost-sharing reductions available with the on-exchange plans
You may qualify for the Special Enrollment Period (SEP) if you have extenuating circumstances. (loss of employment, divorce or other life circumstance)
By completing the financial portions of the online application for your state’s exchange, you will be notified who you qualify for.
Having a Broker (no cost to you) will help you better understand your options.
Work with a licensed Broker.
A Broker is aware of the plan offerings and has access to the tools to confirm in network providers and the cost of your medications.
Having this data is essential in choosing the plan that will work for you!
Testimonials
