Choosing the right healthcare coverage

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A free review is the best way to be sure you’re enrolled in the coverage that will meet your needs in the coming year.

By Kathy Carvin, HealthMarkets Insurance Agent

What I do is listen to your needs and then help build a plan for you based on those needs. It’s the same approach for people who are preparing to enroll in an Affordable Care Act (ACA) plan, or for those considering alternative coverage.

ACA enrollment is happening now until Tuesday, December 15. The requirement for healthcare coverage is still the law in some states, but people do have options.

For some, choosing a healthcare plan under the ACA umbrella makes the most sense. These are the folks who have a serious preexisting condition, are in need of maternity care, or they’re receiving government subsidies to help offset the cost of their plan. ACA plans typically cover mental health concerns or substance abuse.

If you choose not to enroll in an ACA plan, there are other options. Term health insurance, short-term medical coverage and indemnity plans are examples.

Understanding the complexities of healthcare coverage is what I train for year-round. I can simplify the jargon to help you make an informed decision about which option is the best fit for you, your lifestyle, and your budget, saving you time and often money.

A free review is the best way to be sure you’re enrolled in the coverage that will meet your needs in the coming year. Give me a call to schedule your personal appointment. As always, there is no charge for my guidance.

Kathy Carvin, a licensed insurance agent with HealthMarkets Insurance Agency, has offices at 10512 Northfield Road, in Northfield, and 28881 Lorain Road, in North Olmsted. She serves all of Northeast Ohio including Lake County. You can schedule a time to meet with her in the office, your home, or via video chat by calling 216-375-5902.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated based on enrollment. No cost or obligation to enroll. 46590-HM-1120
Categories: Professional Services