The Affordable Care Act (ACA) could be the right coverage for your clients. These plans are required to cover 10 essential health benefits and provide lower income consumers with subsidies or premium tax credits and even cost sharing reductions to help keep costs low. ACA certifications are free and can be completed quickly!
Medicare Advantage (MAPD) plans can offer coverage that Original Medicare may not cover to your clients age 65 and older. These additional benefits may include fitness programs, vision, hearing, dental and more! Many MAPD plans are $0 premium, but there are a number of options to choose from for most consumers. AHIP and carrier certifications are required to offer MAPD plans.
Special needs plans (SNP) are a type of MAPD plan designed to meet specific needs of certain consumers. These also offer additional benefits and general fall into 3 categories: Dual Eligible SNP (D-SNP, coordinate Medicare and Medicaid benefits), Chronic Condition SNP (C-SNP, offered to consumers with certain chronic or disabling conditions), and Institutional SNP (I-SNP, designed to meet the needs of consumers living in long-term care settings).
Medicare Supplement or Medigap plans carry a higher premium and help consumers pay their share of out-of-pocket costs that original Medicare doesn’t cover. Most Medicare Supplement Plans have no network which gives your client the ability to see any doctor that takes original Medicare.
Prescription Drug Plans (PDP) are included with most Medicare Advantage Plans, but you’ll need to add a stand alone PDP for your clients that choose a Medicare Supplement Plan. These will help your clients pay for their prescription drug coverage!
Did you know that having a baby is one of many Special Enrollment Period events that will allow your consumers to possibly sign up for an ACA plan outside of open enrollment? Others include getting married, a death in the family, moving to a new zip code or county, a change in your job based coverage, and more!
Add a whole life insurance policy for children that will start protecting early in their life and continue into adulthood. Term Life Insurance can protect your client’s family in the event of an untimely death. These policies have a lower premium than other types of life insurance and will pay out a specific amount of money to your client’s beneficiaries upon their death.
There are many types of dental plans that will cover procedures like routine cleaning, fillings, root canals, and possibly even orthodontia. Poor oral health can lead to other general health problems!
Vision plans can help cover the cost of keeping your clients eyes sharp and healthy. Plans may help cover costs for routine visits, glasses and contacts.
Final Expense, or burial plans, cover end-of-life expenses that may include funeral arrangements and may help with other remaining expenses that your client may have. These plans usually have a lower death benefit but ease the burden on your client’s family upon their death.
Cancer, Heart/Stroke and other critical illness plans are supplemental plans that help your client pay for bills and other expenses if they are diagnosed with specific conditions. Many of these plans will pay a lump sum benefit to your client.
Accidents are one of the most common reasons for emergency room visits. An accident plan can help your clients cover costs under their deductible. Need a bit more coverage? A hospital indemnity plan can help pay for even more costs that may be associated with a hospital stay.
Medical Travel Insurance Plans are designed to cover your clients when they travel out of the country. These offer protection to cover emergencies and other situations at an affordable price!
Changes in life may open the door for an ACA SEP or a Short Term Medical (STM) Plan. STM plans can offer temporary coverage when your client is in between plans or outside of the open enrollment period.
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