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Health

Individual Health Insurance

There are many types of health insurance plans and options available for consumers. The Century Benefits website will quote all your options. It might be a bit overwhelming. There are different plans for different situations. Variables that influence your buying decision include: age, pre-existing conditions, budget, region, children, and other healthcare needs.

Types of Health Insurance

  • Individual Health Insurance Plans
  • Health Savings Accounts
  • Short-Term Medical
  • Long-Term Care
  • Travel/International
  • Student
  • COBRA
  • Disability Coverage

Two Ideas to Reduce Your Premiums

 

Short-Term Health Insurance

Short-term health insurance plans provide a safety net if you are transitioning between life events (like retirement or graduating college).  They are low cost options that are available all year-round. However, you must be aware that these plans are not considered minimum essential coverage under the Affordable Care Act.  Additionally, the individual mandate penalty only allows coverage gap of less than three months.  Talk to an expert Century Benefits agent, and we’ll help you determine if a short-term health insurance plan is right for you.

High Deductibles with Additional Accident Coverage

Alternatively, many consumers have chosen a major medical policy at a very high deductible and added and an accident policy or Health Savings Account. They receive the benefits of the annual physicals,  Rx, office visits, and well baby care but with a lower premium because the deductible is high. Reminder, most healthcare plans cover basic services such as office visits, Rx and well baby care before needing to meet the deductible.  The accident rider covers their deductible and coinsurance in the event of an injury. Thus, the consumer is exposed primarily for illnesses. Very few people meet their deductible by illness.

Health insurance is a game of risk. It is a gamble. Try and  find a plan that you will use. Most consumers only need coverage to help pay for the catastrophic claims. They can pay for a simple $100 doctor visit out of pocket if they are saving hundreds of dollars a month in health insurance premiums.