The Out of Pocket Protection Plan is a simple, cost-effective solution for individuals and families now facing higher health insurance deductibles.  If you are currently enrolled in a health insurance plan with a deductible that is unaffordable or would cause financial pressure should you find yourself facing an unexpected accident or hospitalization, you can now virtually eliminate your deductible and ease your out of pocket expense.  In this ACA market, many NC health insurance plans now have deductibles of $3000, $5000, even $6000 and higher.  For most people, trying to meet such high out of pocket expenses is financially burdensome, if not crippling.  An Out of Pocket Protection Plan will put up to $6350 back in your pocket upon your first admission into the hospital and will pay up to $200 a day for up to 10 days of hospital confinement.

The math is simple.   (more…)

The health insurance market has changed dramatically under the Affordable Care Act and it continues to change every year.  2016 brought a greater than anticipated rise in the cost of health insurance premiums across the board and many Americans are now wondering what other options are available.  Although in the past short term health insurance plans were primarily geared toward individuals who needed to fill a gap in health coverage due to a move, a job change, or recent graduation, many people are now taking a closer look at the benefits of temporary health insurance policies.

In terms of affordability, short term health insurance plans are typically much less expensive than regular health insurance policies.  Because they do not have to cover the 10 essential benefits required under the ACA, short term plans have much lower monthly premiums and are an excellent way to make sure you have coverage in case of an unexpected accident or illness.  Many temporary plans also include copayments for doctor visits as well as prescription drug coverage. (more…)