Is Your Health Insurance Too Expensive? | How To Insurance | 024
Hi, I’m Peter!
Welcome to HOW TO INSURANCE
Helping YOU understand insurance,
building CONFIDENCE for your future!
Today, we are asking...
Is Your Health Insurance Too Expensive?
We are a couple of months into the new year and your health insurance for 2020… and those high insurance premiums might be starting to bother you!
Is there another way, you ask?
Can my health needs be covered without literally charging me an arm and a leg?!?
Answer:
YES, Health Sharing Plans provide excellent coverage for half the cost!
Wait… so what is a “health sharing plan”?
Health Sharing Plans are not technically “insurance” but they work in a similar way!
Health Sharing Plans are FOR YOU if:
You don't want to pay the extremely high monthly premiums for traditional healthcare.
Your income is too high to be eligible for federal tax credits
You don't have chronic pre-existing conditions, expensive prescriptions, or pregnancy and you are a low cancer risk and don't need surgery immediately.
How Health Sharing Plans Work
It provides a health care plan that is very similar to traditional healthcare
Monthly premiums (much lower than other insurance)
Access to a large network of doctors and specialists and hospitals.
It uses the large PHCS PPO Network (MultiPlan) that has hundreds of local doctors — about the same size as the BlueShield PPO network.
Access to "tele-med" phone calls for health support and advice.
They give you a “safe harbor” exemption from the 2020 state tax penalty for health insurance.
Low Co-pays and deductibles
It has some restrictions on pre-existing conditions and some upper limits of financial coverage.
There is a two month waiting period on voluntary surgical procedures, and a three month wait for cancer treatments, but emergencies are covered immediately.
There may be a small application fee
You pay for prescription drugs on your own (see the links below to save)
Health Sharing Plans don’t meet all the requirements of the Affordable Care Act, but they just might be what’s most “affordable for you and your family!”
Health Sharing Plans provide you with a vast network of hospitals and doctors and pay for your medical bills, just like traditional insurance!
Bottom Line…
Ask me and I’ll send you more info about health sharing plans!
At Apple Insurance Solutions,
We all want to protect what matters most to us in life,
but finding the right insurance can be confusing.
So I make it simple.
As Your Insurance Broker,
All your insurance is covered in one relationship,
saving you time and
building confidence for your future.
If this was helpful to you, please:
“Like and Share” this post
Follow me on social media (@appleinsurancesolutions)
Contact me at peter@appleinsurancesolutions.com
Also, keep in mind, that as Your Insurance Broker,
I offer insurance for auto, home, life, health, medicare, umbrella and business… when you work with me, all your insurance needs... are in one relationship.
Thank you for reading HOW TO INSURANCE
Helping YOU understand insurance,
building CONFIDENCE for your future!
PETER D JOHNSEN
Insurance Broker | Apple Insurance Solutions
360.818.4865 | appleinsurancesolutions.com
Auto | Home | Life | Health | Medicare | Umbrella | Business
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