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Major Medical Insurance
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What Kind Of Major Medical Insurance Is Available On Private Health Marketplaces?
- Preventative Care
- Pre-Existing Conditions
- Many other benefits you would find with employer subsidized health insurance
Private Health Insurance Exchanges
The advantage of using a private health marketplace, like Smart and Simple Insurance, are licensed agents can walk you through your healthcare options. Many people find working with a licenced insurance agent or enrolling online off the federal marketplace is much quicker than the government healthcare exchanges. Additionally, private healthcare marketplaces will also have ACA compliant plans that can’t be found on healthcare.gov.
Find Great Coverage With Licensed Insurance Agents
With Smart and Simple Insurance, you don’t pay more than you would on federal exchanges. You have licensed insurance agents ready to assist you in finding the right medical plan for you or your family.
- Major Medical - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Supplemental Insurance - As low as at $38/month
- TeleMedicine - Only $19.95/month, saving you hundreds in the long run
* Availability may be different in some States
Short Term Health Insurance Is An Affordable Alternative For Those Without Pre-Existing Conditions
Many healthy people use Short Term plans as their primary health insurance to protect from the high medical costs of unexpected injuries or illnesses. The cost of this type of insurance is affordable and your out-of-pocket limit is predictable.
Smart and Simple Affordable Care Act Compliant Plans
An insurance carrier may only make available health insurance plans on the federal marketplace if they meet the requirements of each of the four metal tiers. On both federal and private health marketplaces you’ll find a metal tiered system of Bronze, Silver, Gold and Platinum plans that offer both low and high deductible policies. These plans are required to cover essential benefits of the Affordable Care Act:
- Ambulatory or outpatient care
- Preventive care
- Coverage for pre-existing conditions
- Birth control medication
- Pediatric services, including dental and vision coverage for children
- Prescription drug coverage
- Laboratory services
- Emergency services
- Hospitalization for surgery and treatment of other critical illnesses
- Mental health coverage, including substance use disorder services
- Rehabilitative services
- Pregnancy, maternity, and newborn care
Private Exchanges Also Offer Other Types Of Health-Related Insurance
Your individual major medical insurance typically will not include coverage for dental and vision. On private health marketplace exchanges, you’ll find many different offerings including dental and vision coverage, as well as term life insurance policies.
Frequently Asked Questions
When am I eligible to change Major Medical Insurance Plans?
Each year (typically in November), the federal government has an open enrollment period when anyone, regardless of reason may choose to drop their current flan and find new major medical insurance coverage. During this time you may select new plans from either the federal or private marketplace.
How can I get individual health insurance outside of open enrollment?
You may be eligible for new insurance when a qualifying event happens where you would lose your health insurance, such as quitting a job or with employer-sponsored insurance or being laid-off. These events allow you to obtain new health insurance through either exchanges. Most major medical insurance starts one the 1st of a month. You may need to utilize short-term medical or COBRA until you can start a new plan.
Can I get COBRA Insurance Continuation?
COBRA is a federal law that allows employed worker to keep their insurance if that insurance would be lost to quitting your job, being laid-off or having your hours reduced where you are no longer eligible.
If you have left your job to create your own greener pastures, you may qualify for COBRA insurance that would allow you to continue on your former workplace insurance you had.
Who We Are
Over four million people have obtained health insurance through our enrollment portals. With variety of products for customers to build an insurance plan specific to their needs, makes our offerings “smart” to have.