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个人和家庭保险选项

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你试过寻找负担得起的健康保险,便宜的健康保险,可靠的健康保险,甚至是性价比最高的健康保险。如果你正在购买个人健康计划,你可能知道你想要或需要从你的医疗保险,但不知道确切的产品搜索。以下是你最有可能找到的医疗保险计划。

我的健康保险有哪些选择?

其他健康保险选择?

短期保险

短期计划可以为暂时的覆盖缺口提供解决方案。

平价医疗法案(ACA)保险

这个选项,通常被称为奥巴马医改,得到了所有媒体的关注。根据ACA法案,除了少数例外,每个人都必须参加符合ACA最低基本保险要求的医疗保险,否则在某些州可能面临税收处罚。

  • 作为你的基本医疗保险,但不提供与ACA医疗计划相同的福利。这些计划涵盖的内容各不相同。
  • 保险计划通常不包括已存在的疾病。
  • 你必须回答一系列的医学问题来确定你是否符合资格。
  • 短期医疗保险的费用通常低于ACA所覆盖的范围,但在一些州,你可能会因为没有获得最低基本保险而受到税收处罚。
  • 你可以在任何时候申请,全年都可以。

底线:ACA覆盖绝不是廉价的医疗保险。然而,如果你需要一段时间的大的医疗保险或有预先存在的疾病,ACA计划可能是你最好的选择,特别是当你的收入水平使你有资格获得税收抵免和补贴。

打电话给1-800-273-8115欲了解更多有关ACA健康计划

微笑的上班族

ACA

  • 保证问题
  • 10个基本的健康益处
  • 有限开放登记
由黄金规则保险公司承保

短期健康保险-由黄金规则保险公司承保

短期医疗保险有时也被称为定期医疗保险或临时医疗保险。这是因为它的目的是在你没有其他保险的有限的几个月内提供医疗保险。

  • 作为你的基本医疗保险,但不提供与ACA医疗计划相同的福利。这些计划涵盖的内容各不相同。
  • 保险计划通常不包括已存在的疾病。
  • 你必须回答一系列的医学问题来确定你是否符合资格。
  • 短期医疗保险的费用通常低于ACA所覆盖的范围,但在一些州,你可能会因为没有获得最低基本保险而受到税收处罚。
  • 你可以在任何时候申请,全年都可以。

底线:你是否失去了或刚刚取消了一些其他的保险,或者你需要临时的医疗保险,而你决定一个长期的解决方案?一个短期健康计划可能是给你的。

在电脑上工作的年轻女性

短期内

  • 回答资格问题
  • 有限的时间长度
  • 适用于任何时间

TriTerm医疗保险

在选定的州,TriTerm医疗是一种有限期限的短期保险选项,旨在持续近3年F4/ 3项。你申请一次较长的临时保险,包括传统的短期健康保险可能不提供的额外福利。

  • 该保险计划的覆盖范围是有限的,但不能提供与ACA医疗计划相同的福利。在一些州,你可能会因为没有达到最低平均工资00美元而受到税收处罚。
  • 包括预防保健保险、处方保险和家庭保健康复、临终关怀和更多的保险。
  • 加入该计划12个月后,一些预先存在的条件的符合条件的费用将被覆盖。
  • 你必须回答一系列的医学问题来确定你是否合格。
  • 你可以在任何时候申请,全年都可以。

底线:需要长期的保险还是寻找一个更有利的短期保险计划?一个TriTerm医疗计划可能是给你的。


TriTerm医疗

  • 回答资格问题
  • 近3年的覆盖
  • 比标准短期更有好处

联邦医疗保险优惠计划由联合医疗保险公司投保

医疗保险

如果你65岁或以上,或者65岁以下有残疾或身体状况,你就有资格通过医疗保险享受综合医疗保险。

  • 医疗保险A部分包括医院保险,B部分医疗保险(看医生、实验室工作等),D部分处方药保险。
  • 或者,将A、B部分,甚至在某些情况下,将D部分纳入单一的医疗保险优势计划(被称为医疗保险C部分)。
  • 在大多数情况下,你的医保登记期是在你65岁之前和之后的三个月。

底线:如果你接近65岁,或者更年轻,符合条件,考虑各种医疗保险可能是你最好的健康保险选择。

拨打1-844-731-6094,TTY 711欲了解更多有关医疗保险优势计划通过联合医疗保险公司投保F87

《后花园中成熟女人的画像》

医疗保险

  • 65岁或有残疾
  • 许多不同的选项
  • 有限开放登记

其他健康保险选择

一个大的医疗保险计划并不是你唯一的选择。您可以选择添加以下保险计划,以帮助您的医疗保险不包括的一些费用。

由黄金规则保险公司承保

医院和医生的固定赔偿计划

医院和医生固定赔偿保险,通常称为服务费用保险或固定福利保险,在你得到特定的覆盖的医疗服务后支付一个固定的福利。

  • 不管你是否有其他的保险项目,你都能得到这个福利。你得到的现金可以用来抵消健康保险可能无法支付的费用。
  • 一般来说,你可以在任何时候申请这些计划。
  • 通常情况下,你必须回答一系列的医学问题来申请和获得资格。
  • 各计划所涵盖的服务各不相同,而且一般不包括因先前存在的健康状况而产生的服务。

底线:担心高额的免赔额或其他自付费用会使你的医疗保险变得负担不起?一个固定补偿方案可能会有帮助。

看看这个计划可能要花多少钱。从这里开始:


医院和医生

  • 回答资格问题
  • 支付固定福利金额
  • 适用于任何时间

由黄金规则保险公司承保

重大疾病保险F55和意外保险F88

  • 你可能会听到重大疾病保险指危重护理保险或危重疾病保险。不管名字是什么,如果你中风、心脏病发作或被诊断出患有严重疾病,如癌症,这些计划会一次性支付一笔现金福利。
  • 意外保险,也被称为补充事故保险或个人事故保险,旨在帮助支付意外伤害造成的医疗费用。

底线:如果你担心受伤或疾病可能会影响你的预算,在你的医疗保险中加入这些计划可能会有帮助。

滑雪情侣摆姿势拍照

重大疾病保险及意外保险

  • 补充保险
  • 为预选赛支付指定金额的现金
  • 适用于任何时间

最后更新02.09.2018 12:01AM ety0066_171215_053222接受

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