Health insurance should be simple and accessible for everyone. Insurance With Don offers expertise at no cost to you, in order to assist you in choosing a plan that fits your needs and your budget. With our help you can save money and have peace of mind that your health is in good hands!
Team up with a local insurance agent you can trust…
Individual & Family Health Insurance
The health insurance marketplace or exchange, allows us to find health insurance plans for individuals and families, at an affordable rate. Marketplace plans utilize subsidies and tax credits to offer great rates for your health coverage based on your households yearly income. Plans are offered by quality insurance companies such as United Healthcare and Blue Cross Blue Shield. Each plan listed on the exchange offers comprehensive benefits and follows federal mandates.
We’ll be able to find a plan that fits your budget and health needs, as well as ensure that your doctors & specialists are in network. With a Marketplace plan you’ll be able to see your family doctor, get referred to any specialists if needed, and in the case of an emergency be covered for hospital or outpatient services.
When To Enroll Into Health Insurance
Annual Enrollment for Marketplace insurance ranges from December 15th – January 15th every year. We can use this enrollment period to enroll and change plans.
Outside of annual enrollment we can use Special Enrollment Periods (SEPs) based on varying circumstances such as income, losing coverage, loss of Medicaid, moving and more to enroll you and your family into a plan.
Small Business Health Insurance
Need to offer insurance benefits to your employees? We can help customize a plan based on your businesses size and your employees needs. There’s multiple tools at a small businesses disposal to offer benefits.
Small Employers (Less then 20 Employees)
Small employers with less than 20 employees are not required to offer health insurance to employees, although there would be benefits to doing so! Small employers can utilize Marketplace Health Insurance for their employees, as opposed to traditional group plans, to offer affordable coverage options to their employees while avoiding the high costs of group coverage.
Small Employers (1-50 Employees)
Large employers with 50 employees or less can utilize a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) to offer employees health benefits.
Large Employers (1-50+ Employees)
Large employers with 1-50 or more employees can utilize an Individual Coverage Health Reimbursement Arrangement (ICHRA) to offer employees health benefits.
Ancillary Products
Employers can provide additional coverage to their employees such as hospital indemnity plans that covers accidents and injury both in and out of work, life insurance policies, and dental, vision & hearing.
Why Use a Health Insurance Broker?
Health insurance is a complicated topic, with every client having different needs for their plans and coverages. Not only are there regulations for who qualifies for subsidies and tax credits, there’s also guidelines for when you can enroll into a health insurance plan. Also, your doctors may not accept every plan available on the marketplace.
An insurance agent, such as myself, can assist you with the entire enrollment process to make the process simple and straightforward. I’ll make sure you can enroll into a plan, utilize tax credits to find an affordable option, and that your doctors are in network! Avoid the hassle and penalties and use me as your local agent…
Our Process Makes Insurance Hassle Free
30 Min Consultation: Schedule a quick consultation to discuss your needs, preferences and budget.
Personalized Recommendations: We recommend plans and options based on your consultation, without bias!
Enrollment Assistance: Once we have a health insurance plan created, we’ll enroll you, making the process easy.
Ongoing Support: We’re part of your team now, and you’ll have our constant support for your health insurance needs!
The great thing about having a dedicated insurance agent in the Crossroads Area is you can have your questions answered by an expert in insurance, carriers
Health Insurance Terms You Need to Know
Premium:
Deductible:
Copayment:
Coinsurance:
Maximum Out of Pocket: