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.

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.

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.