The Best Insurance Options available without Open Enrollment
Our office has received several calls from people who have fallen through the cracks and for one reason or another, failed to procure health insurance prior to the February 15th, 2015 deadline. The CT Exchange is allowing for a Special Enrollment Period for those who can prove that they would face the fine from the IRS for not enrolling. This period runs from April 1st through April 30th, 2015, and is being offered for plans sold only through the Access Health CT Exchange.
If after this period one is still not covered, there is a strategy that would neither exempt one from the fine, nor would cover pre-existing conditions, but would be a much “better than nothing” strategy.
The first is Short Term Medical insurance, this can be purchased for up to 6 months and up to two policies a year. It neither covers pre-existing conditions, nor preventative care. It would cover any new illness or injury.
The second is Accident Expense plus, with a small deductible it gives you $15,000 worth of immediate coverage for claims resulting from accidents. This means you will have coverage for almost any accident from day 1 of the policy.
The Third is ProVantage Plus, featuring Teledoc. This product allows you to speak to a doctor over the phone with no waiting. These physicians can prescribe medications as needed. It also provides discounts for prescriptions, dentists and many other services. This is a flat rate of $29.50 regardless of the number of family members that use the plan.
Short Term Medical Highlights include:
•Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
•Charges incurred at an urgent care center after a $50 copay
•Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
•Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks,
diabetic supplies and all devices for repeat use at home
•Charges for diagnostic testing using radiology, ultrasonography or laboratory services
•Charges made by a licensed extended care facility upon direct transfer from an acute care hospital
•Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
•Helps cover deductibles, co-pays and other expenses not covered by your primary major medical plan.
•Pays medical benefits to you regardless of other coverage you have.
•Rapidly reimburses you for a wide variety of covered medical expenses related to accidents.
•Telehealth help save time and money with 24/7 access to a doctor by phone or online video consult.
•Medical Bill Saver, Expert negotiators help save on uncovered medical and dental bills over $400.
•Pharmacy our members save an average of 42% on their prescriptions, reducing their out-of-pocket costs by over $94 million in 2013.
•Dental smile brighter with big savings on dental services at thousands of locations nationwide.
•Medical Health Advisor, Time is money. Members get one-on one support from professionals for medical or insurance related-issues.
•Nurseline, Rest assured—highly trained registered nurses are on-call 24/7 to answer your questions.
•Vision, 10% to 60% off glasses, contacts, laser surgery, exams and more.
•Chiropractic you save 30% to 50% on X-rays, diagnostic services and treatments at chiropractors nationwide.
•Legal Care Direct, Access to free and discounted rates on services from experienced lawyers.
•Safe Identity, keep one step ahead of identity theft. They are protected and alerted if their identity is compromised.
•Roadside Assistance, don’t leave yourself stranded! 24/7 help with a flat tire, lock-out, battery, collision and towing.
•All for $29.95 a month for the whole family.
Please note that these supplemental products do not meet the minimum coverage guidelines set forth by the Affordable Care Act and tax penalties could apply. Please consult a tax professional in regards to these penalties.
Call our office today to discuss! 203-730-8304