Let us show you how to choose the correct Health Insurance Plan for you and/or your family’s healthcare needs!
Healthcare decisions are mostly individualistic and require many important considerations. Given all the choices, choosing the correct health plan can be crucial to ensure one receives the coverage they need while effectively managing costs. We can also help you compare different health insurance plans to find the one that is right for you and your family, based on your budget, needs, and preferences.
Contact us today to learn more about how we can help you choose the best health insurance plan for you and your family. We can help you with information about the essentials of different health insurance plans, including:
Medicare
- Medicare Advantage
- Medicare Eligibility
- Medicare Part A, B, C, D
- Medicare Special Needs (SNP)
- Medicare Suplement (Medigap)
- Medicaid
Medicare Supplement
- There are 10 standardized Medigap plans
- Medigap plans can help pay for costs such as copays, deductibles, and coinsurance.
- For those enrolled in Original Medicare (Part A and Part B).
Healthcare.Gov
- Health insurance plans that cover the cost of vision, hearing, or dental care.
- Official health insurance marketplace in U.S.
- Compare and enroll in health insurance plans.
- Determine Medicaid and CHIP Eligibility.
- Calculate subsidies.
Dental, Hearing &vision
- Cover the cost of vision, hearing, or dental care.
- Be sure to compare plans carefully to find one that meets your needs and budget.
- Find Plans with “NO WAITING PERIOD”.
Critical illness
- A type of health insurance that pays a lump sum of money if you are diagnosed with a critical illness, such as cancer, heart attack, or stroke
- Provides lump-sum payment if you are diagnosed with:
- Cancer
- Heart attack.
- Organ transplant.
- Organ transplant.
Short term Care
- A type of health insurance that provides coverage for a short period of time, such as 3 months or 12 months.
Group Insurance
As an employer, you may qualify for the Small Business Health Care Tax Credit that could be worth up to 50% of the costs you pay for your employees' premiums (35% for non-profit employers).
Here are the four main components of the US healthcare System
Government: The government is the largest payer for healthcare in the United States, providing health insurance to over 100 million people through Medicare and Medicaid. The government also regulates the healthcare industry, setting standards for quality and safety.
Insurers: Private health insurers provide health insurance to over 150 million people in the United States. Insurers negotiate with providers to set prices for services, and they pay providers for the care that their members receive. One of the most prominent health insurance agencies in your area is “McNichol Financial and Healthcare“.
Patients: Patients are the consumers of healthcare services. They choose their providers, make decisions about their care, and pay for their care, either directly or through insurance. If you’re looking for affordable healthcare solutions, you may want to check out the ACA plans and prices.
Providers: Providers are the individuals and organizations that deliver healthcare services. Providers include doctors, nurses, hospitals, clinics, and other healthcare facilities.
Healthcare Enrollment Periods
Annual Enrollment Periods: These periods occur between November 15th and December 7th each year. During this time, you can enroll in, re-enroll in, or change your health plan through the Health Insurance Marketplace.
Special Enrollment Periods: In some circumstances, you may qualify for a Special Enrollment Period to join a health plan. If you have recently experienced certain life events such as a move, the birth of a child, or a change in job status, you might qualify for a Special Enrollment Period for Access, Medicaid, Medicare, Critical Illness, or Short-Term care health insurance.
Contact us today to learn more about your options and to get started:
When deciding between Medicare Advantage and Original Medicare, weigh the pros and cons of each. Here are some questions you may have:
- What are the circumstances for someone to become eligible for Medicare?
- What are the benefits of Medicare Supplement insurance versus Medicare Advantage or Original Medicare?
- What are some common healthcare expenses that Medicare does not cover?
Which type of insurance is right for you?
Selecting the right type of insurance depends on your specific needs and situation. Here are some of the most common types of insurance and their benefits:
Health Insurance: Health insurance protects you from catastrophic bills in case of a serious accident or illness. Health insurance can be obtained through your employer, the federal health insurance marketplace, or private insurance you buy for yourself and your family by contacting health insurance companies directly or going through a health insurance agent. Only about 9.2% of the American population was without insurance coverage in 2021, the Centers for Disease Control (CDC) reported in its National Center for Health Statistics. More than 60% got their coverage through an employer or in the private insurance marketplace while the rest were covered by government-subsidized programs including Medicare and Medicaid, veterans’ benefits programs, and the federal marketplace established under the Affordable Care Act .
Vision, Hearing, or Dental Plans: Vision, hearing, and dental plans are designed to cover the costs of routine checkups and treatments. Some of the plans you may encounter Open Enrollment Periods, or in some circumstances, you may have a Special Enrollment Period within which to join a health plan .
When selecting the right type of insurance, it is important to consider your specific situation, such as children, age, lifestyle, and employment benefits. You may want to consult with a financial advisor or insurance agent to help you make the best decision for your needs.
February 2023, Governor Brian P. Kemp of Georgia designated a transition to a State- based Exchange (SBE).
During Open Enrollment 2025, Georgians will be able to visit GeorgiaAccess.gov to shop for, compare, and directly enroll in health insurance coverage.
During Open Enrollment 2024, Georgians should continue to shop for and enroll in health insurance coverage as they do today on the Federally-facilitated Exchange, also known as HealthCare.gov.
The best reference is a good word
CLIENT TESTIMONIALS
A. McNichol was very professional and knows the Medicare information. I’ve been working with him for a few years now.
McNichol Financial Group provided me with an outstanding Critical Care Life Insurance policy in . Their personalized approach and comprehensive coverage options gave me peace of mind knowing that my family's future is secure during challenging times. Highly recommended for their expertise and care.
William