What is Individual Health Insurance?
Find the Right Individual Health Insurance Plan
Here at Advanced Retirement Group, we can help you find and purchase the best individual health insurance plan based on your budget and healthcare needs. We offer a variety of plans to choose from, and some people may be eligible for financial assistance to help pay for their premiums.
What Is Covered on an Individual Plan?
A wide range of medical expenses, including preventive care, doctor’s visits, hospitalizations, prescription drugs, and more can be covered with individual insurance plans. The specific benefits covered will vary depending on the plan.
Different Types of Individual Health Insurance Plans:
- Affordable Care Act (ACA) plans: ACA plans must meet certain requirements set by the federal government, such as covering a minimum set of essential health benefits. ACA plans are available to people of all income levels, and some people may be eligible for financial assistance to help pay for their premiums.
- Short-term health insurance plans: These plans are typically less expensive than ACA plans, but they may have fewer benefits and longer waiting periods for coverage to begin. Short-term plans are not subject to the same requirements as ACA plans, and they may not cover pre-existing conditions.
- Medical indemnity plans: Medical indemnity plans offer a different type of coverage than traditional health insurance plans. With a medical indemnity plan, you pay a fixed amount for each medical service you receive, up to your plan’s maximum out-of-pocket cost. Medical indemnity plans may be a good option for people who want more control over their healthcare spending.
Get Individual Health Insurance
If you are considering purchasing individual coverage, it is important to compare different plans to find the one that is best for you and your family. Consider the cost of premiums, deductibles, copays, and coinsurance. You should also consider the specific benefits that are covered and the network of doctors and hospitals that are included in the plan. Don’t try to navigate this healthcare maze alone. Contact us so we can help you find the right plan at the right price. Give us a call today to learn more! 316.687.0044
What is Group Health Insurance?
Group health insurance is a type of health insurance that is offered to a group of people, typically employees of a company or members of an organization. Usually, group plans are less expensive than individual plans because the risk is spread out across the entire group.
Who Can Get A Group Insurance Plan?
Group plans can be offered by employers, unions, professional associations, and other organizations. Employers are not required to offer group insurance, but many do as a way to attract and retain employees.
What Do Group Insurance Plans Cover?
A wide range of medical expenses, including preventive care, doctor’s visits, hospitalizations, prescription drugs, and more are typically covered with a group plan. The specific benefits covered will vary depending on the plan.
Types of Group Health Insurance Plans:
- Preferred provider organization (PPO): PPO plans allow you to see any doctor or hospital, but you will pay less if you see doctors and hospitals in the plan’s network.
- Health maintenance organization (HMO): HMO plans require you to see doctors and hospitals in the plan’s network. However, HMO plans typically have lower premiums and deductibles than PPO plans.
- Exclusive provider organization (EPO): EPO plans are similar to HMO plans, but they may allow you to see out-of-network doctors and hospitals for an additional cost.
- Point-of-service (POS): POS plans combine features of PPO and HMO plans. You will typically pay less if you see doctors and hospitals in the plan’s network, but you will still be able to see out-of-network doctors and hospitals for an additional cost.
It is important to compare different plans to find the one that is best for your business, employees, and their families. Consider the cost of premiums, deductibles, copays, and coinsurance. You should also consider the specific benefits that are covered and the network of doctors and hospitals that are included in the plan.
Get Group Health Insurance For Your Business
If you are a business owner looking to provide your employees with group health insurance, contact us so we can help you determine the correct plan and pricing that will not only benefit you as the employer but your employees as well. Give us a call today to learn more! 316.687.0044
What our customers have to say.
Anne Ternes2023-08-31I would give more stars if allowed. Randy Hoffman helped us with so many things when we needed advice on how to proceed with Medicare and supplements. We needed extra help as we were bearing down on deadlines. Randy was there for us even though he was planning a vacation out of country. He called us and made sure we knew he was available to answer our questions. In the end we were able to beat the deadline and we have Randy and his office to thank. We’ll be forever grateful. We even received a follow up message several months later and we appreciated the caring gesture. Randy helped us through a very difficult situation. My husband and I are happy with our experience.
Kristin Giffin2023-05-31Randy always does a fabulous job doing what's best for the client. He's always great with checking into what insurance they have and will be honest about if they should stay with their current plan or do something else. I will ALWAYS send referrals his way!
Chance Eastlick2023-05-31Randy is the expert in the healthcare game and will help you navigate the ins and outs of the policy that will fit you the best
James McQueen2023-05-25ARG makes navigating health insurance a breeze. They follow a needs based approach and recommend what is best for you.
Eric Petre2023-05-25Jan with ARG was able to help my mother navigate the healthcare system. He did a great job explaining everything and getting her insurance needs taken care of. Thank you!
Nicholas Engle2023-05-23Making health insurance planning straight-forward, kudos to Randy and Jan at ARG!
Rod Frederking2023-05-16I have worked with ARG providing commercial health insurance for several of the companies I have been involved with over the years. As I approached the retirement phase of life for me. I discovered the government and healthcare industries have made this very difficult and confusing. Medicare, supplemental plans, prescription drug plans, etc. The staff a Advanced Retirement were not only diligent and thorough but very clean when it came to figuring out what would be best for my wife's circumstances as well as mine. While different, they needed to work together. This is a long term commitment, since situations and circumstances change from year to year, and that's where ARG excels and helps simplify the entire process. I can't stress the importance of getting the experts involved to assure you get what you need.The most important point I want to make is their service. It doesn't mater what your questions are from understanding the "plan", billing and claim errors, changes in prescriptions and the list goes on. I always recommend ARG for any insurance needs.
Randy Baumgartner2023-05-10My wife and I met Randy Hoffman at Advanced Retirement Group several years ago through our financial advisors suggestion. Randy has guided us through what at times, can be a confusing maze of health insurance products. With his help, we were able to make sound health insurance decisions, and are truly grateful to him and Advanced Retirement Group. We have shared our positive experiences with several friends, and they as well are pleased with Advanced Retirement Group! Do yourself a favor and contact Advanced Retirement Group for your health insurance needs.
Dan Morris2023-04-24After experiencing a repetitive and frustrating problem with my daughter's health insurance carrier, we called Randy and his team at ARG. They removed our burden of having to deal with the issue yet again and it was resolved the next day. Great service!