What Individual Health Insurance Solutions Do We Offer?
What Individual Health Insurance Solutions Do We Offer?
At Creative Insurance Solutions (CIS), we provide a range of individual health insurance solutions tailored to meet the unique needs of you and your family. Here’s how we can help:
Affordable Care Act (ACA) Qualified Plans
Ensures you receive comprehensive and compliant healthcare coverage.
Multiple Carrier Options
Choose from a variety of plans provided by leading carriers.
Provider Access/Doctor Network Evaluation
We help clients consider plans that allow them to continue seeing their doctors.
Subsidy Eligibility Assessment
Determine your eligibility for subsidies to lower insurance costs.
On-Exchange Plans
Available through Georgia Access Marketplace/Healthcare.gov. Find out more about navigating Georgia Access here.
Off-Exchange Plans
Private plans obtained directly from carriers.
Supplemental Enrollment Options
CIS can help you enhance your health coverage with additional benefits including:
- Dental
- Vision
- Hearing
- Term and Whole Life Insurance
- Accident Protection
- Cancer Protection
- Critical Illness Coverage
How Can CIS Help Navigate Open Enrollment?
Avoid the hassle of navigating healthcare.gov by letting CIS handle everything for you. We assist in finding the right plan tailored to your family’s unique needs. As an independent agency, we are not tied to any single carrier or plan type, allowing us to shop around for the best quality and lowest cost solution. Additionally, CIS offers free quotes for individuals, ensuring you get the best possible value. We’re here to help you find the best low cost health insurance options in Georgia.
Which Carriers Does CIS Partner With?
CIS partners with several esteemed carriers to provide a wide range of options, including:
- Aetna
- Ambetter
- Anthem (Blue Cross & Blue Shield)
- CareSource
- Cigna
- Kaiser
- UnitedHealthcare
-This list is subject to change, talk with one of our agents to get the most current offerings.
CIS offers a comprehensive suite of individual health insurance solutions, helping you navigate the complexities of open enrollment and providing access to top carriers for the best coverage options. Contact us today to find the right plan for you and your family.
What Are ACA Qualified Plans and How Do They Benefit You?
Affordable Care Act (ACA) Qualified Plans are health insurance policies that meet the regulatory standards set by the Affordable Care Act. Here’s what they encompass and how they benefit you:
Key Features of ACA Qualified Plans:
Comprehensive Coverage
ACA qualified plans include essential health benefits such as emergency services, hospitalization, maternity and newborn care, mental health services, and prescription drugs.
Preventive Services
These plans offer free preventive services, including screenings, check-ups, and vaccines, ensuring early detection and management of health issues.
No Pre-existing Condition Exclusions
ACA qualified plans guarantee coverage regardless of any pre-existing medical conditions, protecting your health and financial stability.
Subsidy Eligibility
Potential for financial assistance to lower premium costs, based on your income level and household size.
What Supplemental Benefits Are Available for ACA Qualified Plans?
To enhance the comprehensive coverage provided by ACA Qualified Plans, several supplemental benefits are available. These additional options allow you to tailor your healthcare coverage to meet specific needs:
Key Supplemental Benefits
Dental Coverage
Includes routine check-ups, cleanings, and dental procedures.
Vision Coverage
Covers eye exams, and has benefits for glasses and contact lenses.
Hearing Coverage
Provides lower cost access to hearing tests and hearing aids.
Life Insurance
Term and Whole Life
Offers financial protection for your family in the event of your passing.
Accident Protection
Covers unexpected costs resulting from accidents, including medical expenses and lost wages.
Cancer Protection
Provides financial assistance for cancer treatments and related expenses.
Critical Illness Coverage
Offers lump-sum payments for diagnoses of critical illnesses like heart attacks or strokes.
How Do You Choose the Right ACA Health Insurance Plan?
Choosing the right ACA health insurance plan can be overwhelming. Here are some key steps to guide you:
Assess Your Healthcare Needs
Frequency of Doctor Visits
Consider how often you or your family members visit the doctor.
Prescriptions
List any regular medications you take.
Specialized Care
Identify any specialists you might need to see.
Understand Plan Types
HMO (Health Maintenance Organization)
HMOs require a primary care physician and referrals for specialists. Lower premiums but less flexibility. You must use in-network providers or there will be no coverage for out-of-network care.
PPO (Preferred Provider Organization)
PPOs offer higher flexibility to see any healthcare provider without a referral, but typically have higher premiums.
EPO (Exclusive Provider Organization)
EPOs don’t require referrals, but you are limited to a specific network of providers.
POS (Point of Service)
A POS plan is a managed care plan that offers a combination of features from HMOs and PPOs.
Check Coverage and Benefits
Ensure the plan covers essential health benefits, such as emergency services, mental health care, and preventive services.
Compare Costs
- Premiums – Monthly cost of the plan.
- Deductibles – Amount you pay before insurance kicks in.
- Maximum Out of Pocket – Your maximum cost responsibility for that plan year.
- Copayments and Coinsurance – Costs you share for services.
Review Provider Network
Ensure your preferred doctors and healthcare facilities are in-network.
Evaluate Additional Benefits
Look for supplemental benefits like dental, vision, and hearing coverage.
There’s a lot to consider when choosing a plan. CIS can help walk you through your options, understand the differences between different plans, and assist you in selecting an individual health insurance plan that fits your needs and budget.
Finding the right health insurance plan doesn’t have to be overwhelming. Contact Creative Insurance Solutions today for personalized guidance, free quotes, and help comparing plans from multiple carriers.
Georgia is one of the states that now uses its own state-based exchange for
individual insurance instead of healthcare.gov. Georgia’s marketplace is called
Georgia Access. You have the same access to Advanced Premium Tax Credits
(depending on your household income and size), and the ability to shop for,
compare, and enroll in individual and family insurance plans with a number of
insurance carriers. The carriers you have access to will depend on your home zip
code and county since not all carriers offer plans in every county.
There is no one best health insurance option for all college students; the best
option for you depends on your needs and what is available to you. You should
investigate each of the following options and compare the benefits and costs to
see which provides the coverage you need at an affordable premium: 1) Check
with your college or university and see if they have plans available for their
students. 2) If you are currently covered by your parents’ plan, consider staying
on it since you can do so until you turn 26. (Just make sure that providers near
your college are in-network.) 3) Look into getting your own insurance plan on
Georgia Access or healthcare.gov. If you are not a dependent on your parents’
taxes, you may be able to get a tax credit that reduces the monthly premium.
An HMO (Health Maintenance Organization) plan requires you to see doctors
that are in the plan network and usually doesn’t have any out-of-network
coverage, except in emergencies. You also typically must get a referral from your
primary care physician to see a specialist. A PPO (Preferred Provider
Organization) plan provides a wide network of doctors you can see but also
offers coverage for out-of-network providers although it will cost more. No
referrals are needed to see a specialist. A POS (Point of Service) plan offers in-
network and out-of-network coverage like a PPO but typically requires you to
have a primary care physician to refer you to a specialist, like with an HMO.
In most plans, you must pay 100% of your healthcare costs until the total amount
paid equals your annual deductible. Exclusions typically include preventive
services that are fully covered by the insurance company and services that have
a fixed dollar copay (such as doctor’s office visits) where you only pay the copay
amount. After you have met your deductible, you will continue to pay for any
copay services, while the remaining services have a required coinsurance
payment (often 20%). You will pay your percentage of the cost of those services
and the insurance company will cover the remainder of the cost until you meet
your out-of-pocket maximum. (The amounts paid toward your deductible also
count toward the annual out-of-pocket maximum.) Once you meet the out-of-
pocket maximum, the insurance company pays 100% of all covered medical
expenses for the rest of the year.
If you get a medical plan on the health insurance marketplace (Georgia Access
or healthcare.gov depending on your location), you may qualify for an Advanced
Premium Tax Credit (APTC). You will complete an application that the federal
government uses to determine your eligibility based on your estimated household
income for the plan year, household size and composition (who will be covered
by the plan), and whether you are eligible for other coverage (from an employer,
Medicaid, or Medicare). The cost of plans in your area also factors into the
calculations. If you qualify, the amount of your monthly premium will be reduced
by the tax credit amount. (Lower household incomes may also qualify for cost-
sharing reductions (CSRs) in the form of lower deductibles, copays, and out-of-
pocket maximums if they select a silver level plan.) You must file a tax return for
the plan year, during which the amount of the tax credit received during the year
will be reconciled against your actual income, and adjustments are made to your
taxes owed or refund as needed.
If you are young and healthy and never seem to go to the doctor, you may think
you don’t need health insurance. While you are not required to have health
insurance, it is a good idea to protect yourself from the costs of an unexpected
illness or injury. Surgery, time in the hospital, or care for a serious illness can cost
thousands of dollars, so many people find themselves bankrupt due to medical
debt in this country. Even getting the lowest cost plan you can find on the health
insurance marketplace which has a high deductible with not very robust benefits will at least provide you with an out-of-pocket maximum that will cap unexpected
medical expenses to an amount you can manage over time. If you have a low
income, you may also qualify for a $0.00 premium (or very low cost) plan with a
tax credit.
Ready to discuss your individual or family healthcare needs? Just fill out this quick form and one of our insurance experts will reach out to schedule a call at a time that works best for you!