Health Insurance

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Health Insurance

What is health insurance?

Health insurance is a good way to help you manage your health care costs. You pay health care companies premiums – a set amount of money each month – and you get benefits to pay for your eligible health care expenses. This can include regular doctor checkups or injuries to treatment for long-term illnesses.

You can purchase individual health insurance through the Health Insurance Marketplace on your own. Even though it’s called individual health insurance, you can also find plans to cover your family. Because health care can be expensive, it’s a smart idea to have health insurance so you’re prepared for when you or your family have medical needs.

Why should I have individual health insurance?

  • Prepare for the unexpected. You never know when you’ll need medical help.
  • Staying healthy. Many preventive care services – like checkups – are covered at 100%.
  • It’s the law. Under the Affordable Care Act, you may pay a penalty if you don’t have qualified health care coverage.

Medicare

What are Medicare Advantage plans (Medicare Part C)

Medicare Advantage plans, often called Medicare Part C, combine Medicare Parts A & B (Original Medicare) into one plan. However, instead of receiving the benefits of Parts A & B through Original Medicare, Medicare Advantage plans are offered through private insurers, like UnitedHealthcare®, that are approved by Medicare.

What does Medicare Part C cover?

Medicare Advantage Plans combine coverage for hospital (Part A) and doctor (Part B) visits all in one plan and are required to offer all the benefits included in Original Medicare (except hospice care which continues to be covered by Part A). However, many Medicare Advantage (Part C) plans also include prescription drug coverage and routine eye and dental care coverage not offered by Original Medicare.

What are the benefits of Medicare Advantage plans compared to Original Medicare?

Many Medicare Advantage (Part C) plans include prescription drug, vision, hearing and dental coverage not offered by Original Medicare (Parts A & B). Additionally, each Medicare Advantage plan is required by law to feature an annual maximum cap on out-of-pocket costs, meaning once that limit is reached you will pay nothing for additional covered medical services.

Find Medicare Advantage plans that are right for you

UnitedHealthcare® offers many different Medicare Advantage (Part C) plans through UnitedHealthcare® Medicare plans. These plans are designed to accommodate a wide variety of healthcare needs and budgets.

Short-Term Insurance

The benefits of short term health insurance

Short term health insurance offers you just the kind of flexible, fast coverage you need for those dynamic times of change in your life. With short term medical plans1 you can:

  • Get covered fast, as soon as the day after application • Pick your deductible amount from several options
  • Pick your length of coverage, up to 360 days in some states2
  • Drop coverage with no penalty and receive a refund on unused premium if a more permanent health insurance option comes along
  • You may be able to apply for another short term health insurance plan when the first one finishes, if needed3
  • Access an extensive network of health care professionals, with 1.3 million physicians and other health care professionals and approximately 6,000 hospitals and other facilities4
  • Get generally lower premiums than with ACA health insurance plans

Keep these short term insurance reminders in your long-term memory

With short term health insurance you are not buying an ACA health plan. That means you need to keep a few things in mind as you plan your coverage needs:

  • ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions
  • Short term insurance plans are not guaranteed issue, do not cover preexisting conditions, and you must answer a series of medical questions to apply forcoverage
  • ACA health plans are required to cover 10 essential health benefits, including maternity and newborn care, mental health and substance abuse disorder services
  • Short term insurance plans do not have coverage requirements, so plans vary in what they cover. Check your plan details carefully

So, it’s true that you may save money by choosing short term health insurance. Just be sure you know what you are buying, and that it’s a good choice for you. For the right situation, short term insurance plans can definitely provide fast, flexible, temporary health insurance coverage that fits your needs.

Group Health Insurance

What is group health insurance?

Group health insurance is coverage through an employer or other entity that offers coverage to all eligible individuals in the group. Prior to theAffordable CareAct, group health insurance coverage was more regulated than individual health insurance, although many of the law’s provisions apply to both the individual and group markets.

Group health insurance includes both small groups and large groups, which have different regulations. In most states, small group means up to 50 employees, although there are four states that define “small group” as up to 100 employees. If an employer has more employees than the state’s definition of small group, the plan is considered a large group plan.

What should you do?
Who do you turn to?
How can you get help?

These are questions that many people are asking. At TMT, we have the answers. Our licensed agents will walk you through each step of the process and guid you to the information that will empower you to make a informed choices.

How It Works?

  • Choose Your Insurance
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