One of the things that changed in the health care industry is the way agents and agencies are paid. In order for us to maintain the level and quality of service that you expect from us, and that we have come to expect of ourselves, we do have account fees that are charged annually. These fees includes all the access and services mentioned here on the website and more.
Insurance products are different from major medical health insurance plans such as long term care, disability, and travel insurance. They will not protect you from the individual mandate’s fee for not being insured, but they can be paired with a major medical health insurance plan in order to give you more benefits or fill in gaps where your plan does not cover you. You may hear these insurance products referred to as ancillary benefits, and they can be bought independently from a health insurance plan, or in addition to one.
Your network and the doctors you can use will vary on your insurance provider and plan. We will help you tailor a plan that is best for your health and your wallet.
We work with you to determine where you should shop for coverage. If you qualify for a subsidy and choose to use it on your health plan, then shopping on-exchange is your best option. Roughly 3.5% of the population in the USA qualify for financial assistance. If you don’t qualify for a subsidy, the advantages of shopping off-exchange are substantial. The number one benefit of shopping off-exchange is greater plan choice.