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Open Enrollment for the Health Insurance Exchange begins October 1st, 2013 and will last through March of 2014. If you have Insurance Coverage, you can KEEP your existing coverage if it qualifies as coverage under the EHB Provsion ( Essential Health Benefits ). If you don’t have Insurance now, you can either elect to take your employer’s insurance or qualify for Individual / Family Insurance today while the insurance companies still have the ability to Underwrite Health Insurance Policies.
“Why is that important?” you ask, well the answer is simple. Plans that are underwritten give the Insurance Companies some control over claims and costs vs. premiums to keep costs down for everyone in the plan. After Jan. 2014 Insurance Companies will NEVER AGAIN be allowed to underwrite health insurance so all plans offered after that date will be the NEW METALLICIZED Plans; meaning they are open to everyone and anyone who wants to enroll regardless of health status and prior pre-existing conditions. While this is a good thing for many people who cannot get access to health insurance today, it is estimated to increase the cost of Health Insurance to as much as 300% of existing Premiums to offset the new wave of claims and utilizers of the health insurance.
However, anyone who has an existing underwritten plan in place prior to Jan. 1st 2014 can keep that plan and pay far less for their insurance than people enrolling in the open market Exchanges in 2014. So, If you are healthy and think you might qualify for an Individual Plan today, I encourage you to go through Underwriting and take out a plan on the Individual Market while you still can. This portal will be open from now until the end of 2013 at which point this page will immediately convert into a PRIVATE HEALTH INSURANCE EXCHANGE where you will be able to enroll into the Private Insurance Exchange market online. Some States will be establishing their own PUBLIC Insurance Exchanges and we will have those states Listed and links to those exchanges as well as they become available.
To see if you qualify, complete the form below for a list of plans available in your area and begin the process of pricing and selection and underwriting while you still can:
1..Health Insurance costs a lot but having none costs more.
There are sensible ways to save money on insurance, but skipping health coverage isn’t one of them. Medical bills from even a minor car accident can deplete your savings – a major illness can push you into bankruptcy.
2. If your employer offers health insurance, grab it.
Group coverage, particularly when it’s employer-subsidized, is almost always a better deal than anything you can get on your own, even if you’re young and healthy. If you’re NOT young and healthy, it’s definitely a better deal.
3. Comparing plans is tough but necessary.
Unfortunately, there is no such thing as standard coverage. Benefits and costs vary widely from plan to plan. If you have choices, we will examine each one closely to find the best deal for you – saving you time, frustration, and money.
4. The lowest premium isn’t always the cheapest plan.
What your health insurance covers is just as important as, and sometimes more important than, what you pay up front. Ultimately, the cheapest plan is the one with the best price for the benefits you’re most likely to use.
5. Even good coverage can have big loopholes.
You can count on your health insurance to cover you for a hospital stay. Most policies cover doctor visits, but benefits for mental health, prescription drugs and dental care are strictly optional.
6. You’ll pay more for freedom.
Plans with the most comprehensive coverage at the lowest out-of-pocket cost require you to use a specified network of hospitals, doctors, labs, and other providers. The more flexibility you demand, the more you’ll pay, in either premiums or co-payments.
7. You can check out networks before signing up.
A growing number of public and private sources compile information on the track records of individual doctors, hospitals, and health plans. You should check www.weissratings.com to know the true financial picture for any insurance company.
8. You can keep your insurance if you lose your job.
State and federal regulations protect you from losing your health coverage in the event you lose your job. Unfortunately, they offer little protection from high premium costs.
9. Working couples have more to think about.
If you and your spouse both get health insurance at work, you must sort out whether it makes more sense to have two policies or for one of you to cover the other. If you have kids, you need to decide who’s going to cover them.
10. Tax breaks can help
Ordinarily medical expenses, including insurance premiums, are not tax deductible until they exceed 7.5 percent of your income. However, if you’re self-employed or your employer offers a flexible spending account, you can get a tax break without meeting the threshold. If you are self employed and buy an HSA health plan, both premiums and expenses become tax deductible (consult with your tax advisor).
Do not cancel any in-force health coverage until you have received written formal approval of acceptance from the company you select. Rates shown are based upon the information you provided, and are subject to change based on the health plan’s underwriting practices and your selection of available optional benefits, if any. Final rates and effective dates are subject to underwriting and are always determined by the health insurance company. To be considered for reimbursement, expenses must qualify as covered expenses. View the product brochure for more detailed information on the health plans or contact our Licensed Broker Consultants who can give you a good idea of where you will stand by getting and pre-underwriting consideration from the insurance company.
The monthly premium (price) quotes shown above are only estimates. The insurance carrier will determine the rate based on a number of factors such as medical history, optional benefits etc. Insurance companies also reserve the right to change the terms of a policy with proper disclosure and notification. In our professional opinion, quotes are worthless unless they are underwritten, you cannot obtain and underwritten quote online or on your own, you must work with an agent/broker who has direct access to underwriters to do so. CATALIST HEALTH BROKER / CONSULTANTS have direct access to underwriters, we can give you a 99% Firm rates before submitting and application so there is no surprises.
The estimate of the monthly premium (price) is based on the requested effective date provided. The actual effective date may differ from the requested effective date and your premiums may also differ.
Summary Information Only
This site was designed to provide you with a brief summary of service of the plans you requested. Please note that it does not include all the benefits, limitations, exclusions, renewal terms, pre-existing condition exclusions and out-of-network penalties outlined in the policies. It is the insurance policy or certificate of coverage, not the general descriptions on this website, which forms the contract between you and the insurance company.
The use of the website and its material, some of it supplied by third parties, is at your own risk. Although we strive to provide the most current and complete information on this website, we make no representations about the accuracy, completeness or timeliness of the material found here. Please note that updates are made periodically to the website and we reserve the right to make them at any time. Again, it is our strong recommendation that you speak to one of our trained professional insurance consultants to help walk you through this process to find the most affordable fit with the best benefits that you qualify for.f
UnitedHealthOne Carrier-Specific Disclaimers
UnitedHealthOne is the brand name used for products underwritten or administered by the UnitedHealthcare family of companies offering personal health insurance, including Golden Rule Insurance Company and United Healthcare Insurance Company.
This screen is intended only as general information. It presents only a brief overview of some of the standard benefits of the plan(s) shown. Optional benefits may be available for additional premium.
Before you apply, please use the link(s) provided to download and review the product information for a more complete explanation of benefits, exclusions (including any that may apply to preexisting conditions), limitations, terms under which the plan(s) may not be renewed or benefits may be reduced, and any state variations applicable to any of these items.
You must meet our eligibility requirements in order to become insured, which may include medical underwriting. There is no coverage until we inform you in writing that your application has been processed and approved.
To be considered for reimbursement, expenses must qualify as “covered expenses” under the policy, and are also subject to all other policy provisions, such as reasonable and customary limits, or whether or not they were necessary.
Estimated Premium shown is based on the information you provided, and is subject to change based on the plan you select, optional benefits you select (if any), and other factors. We shall exclusively determine the premium actually required, and the effective date of any coverage issued.
In several states, these plans are available only to members of the Federation of American Consumers and Travelers (FACT), an independent consumer organization. If you are not already a member of FACT, you must join in order to be eligible for these plans. Through a special agreement between FACT and Golden Rule, you can enroll in the association through Golden Rule. You will fill out the FACT enrollment form on this website prior to making application to Golden Rule for health insurance. For more information on the benefits of FACT membership, visit www.usafact.org (no need to enroll directly – Golden Rule will submit your dues to FACT). Estimated Premium does not include the mandatory $3 per month dues for FACT membership. FACT membership is not required in every state. Please see the product information for details.