Medical Insurance
Having an individual health insurance policy is a necessity. Let Abel Insurance Agency help you sort out the confusion and create a policy that fits your life.
Individual Healthcare Coverage
If you don't get healthcare coverage through your employer, or if you're self-employed, individual health insurance is an absolute must. Don't panic about the costs; plans can be cheaper than you expect if you shop around, and you'll often have a lot of flexibility when it comes to the balance of premium costs and coverage.
Medical/Dental/Vision Insurance Coverage Options:
Individual Coverage
Group Coverage/Plans
Short Term Medical
Medicare Supplements
Medicare Prescription
Medicare Advantage
Disablity
Accident
Dental
Vision
and more... if you dont see the coverage you are looking for, please dont hesitate to contact us for more information!
The 10 Minimum Set of Essential Health Benefit Categories are:
Ambulatory Patient Services
Emergency Services
Hospitalization
Maternity & Newborn Care
Mental Health & Substance Abuse Disorder Services, including behavioral health treatment
Prescription Drugs
Rehabilitative & Habilitative Services
Laboratory Services
Preventive & Wellness Services & Chronic Disease Management
Pediatric Services, including Oral & Vision Care
Level of Coverage for Each Plan Tier:
Plan labels will help you understand the level of coverage you are buying. Insurers can sell more than one plan in each of the categories. Standard Plans will have the same essential health benefits, which make it easier to compare between different companies based on price, doctor/hospital networks, customer service, and other factors.
Bronze: 60% coverage of expected costs
Silver: 70% coverage
Gold: 80% coverage
Platinum: 90% coverage