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Health Insurance Information
Health insurance may help reduce your out-of-pocket healthcare costs so you can access crucial healthcare services.
Getting appropriate health insurance can seem confusing. Contact the healthcare experts at Cormack-Routhier Agency today to learn more about getting a plan to meet your unique needs.
What Is Health Insurance?
Health insurance helps cover certain medical bills according to the health pans’ Summary of Benefits and Coverage. Typical out-of-pocket costs include an annual deductible and copays.
Major medical plans are governed by the Affordable Care Act (ACA), which requires health plans to provide essential coverage, including:
- Coverage for essential health benefits (EHBs), including preventive care
- No limitations due to pre-existing conditions
- Guaranteed issue regardless of applicant’s medical history
How Does Health Insurance Work?
When you need to undergo medical testing, get emergency care or see a doctor, your health insurance may cover a portion of the bill.
When you purchase a health insurance policy, you pay a monthly premium whether or not you access healthcare services during the month. The amount of coverage you receive and the covered healthcare services vary depending on the plan.
Your deductible is the total amount of money you must pay toward covered medical services before your health insurance kicks in and starts providing coverage for medical bills. You may also be required to make a copayment when you access certain services like seeing a doctor.
What Types of Health Insurance Are Available?
In the United States, you may have two main options for health insurance, depending on your situation:
- Private healthcare coverage may be purchased through the healthcare marketplace, or you may get access through your employer.
- Public healthcare coverage includes Medicaid, Medicare, CHIP and VA coverage.
Your agent may recommend one of the following plan supplements or healthcare plan, depending on your needs:
- Individual and family health insurance
- Temporary health insurance
- Supplemental health insurance
- Medical expense insurance
- Travel health insurance
Where to Get Health Insurance
If you can’t access an employer-provided health insurance plan, you may find coverage by shopping the marketplace for an ACA-approved plan from a health insurance company.
The cost of health insurance plans in the marketplace varies and may be reduced by cost-sharing or premium subsidies, depending on your household size and annual income.
The open enrollment period for plans on the Marketplace Exchange for next year starts November 1. You may be able to get healthcare coverage for the remainder of the year if you qualify for a Special Enrollment Period due to a life event like getting married, having a baby or moving.
To learn more about your health insurance options, contact Cormack-Routhier Agency in Cranston, Rhode Island.