Vicki's 1 - 2 - 3 Process
Vicki works a little differently. You don't pick a plan and have your health advisor disappear.
Our Agents are here for the long term.
We started by asking some basic qualifying questions
Then we do a free analysis to determine what your current health coverage needs are and review the plans in your area.
We'll then work with you to select which plan will be the most beneficial for your budget, timeline, and needs.
The savings varies person to person, some basic qualifying questions are:
Zip Cody & County - the discounts vary from county to county
Age
Income
Do you currently have insurance? If so, why are you looking to change? We can not offer assistance if you have Medicare or Medicaid. If you are looking to change from an employer based coverage, we need to be sure you can cancel that plan before enrolling you.
These plans include anywhere from full coverage, income based plans to cost-sharing or catastrophic plans. Typically, many options to pick from.
Definitions to help you explain your health insurance:
Copayment: a relatively small fixed fee that a health insurer requires the patient to pay upon incurring a medical expense (such as for a routine office visit, Urgent Care or prescription drug) covered by the health insurer.
Deductible: is a set amount you may be required to pay out of pocket (such as for an ER Visit, surgical procedure, hospital stay, X-ray or imaging) before your plan begins to pay for covered costs
Max out of Pocket (MOOP): An out-of-pocket maximum is a cap, or limit, on the amount of money you have to pay for covered health care services in a plan year.
Subsidy: a sum of money granted by the government or a public body to assist an industry or business so that the price of a commodity or service may remain low or competitive.
Vicki is a full-service licensed advisor working with thousands of individuals to obtain low cost or no cost health care
How Vicki Can Help You
WE HAVE A TEAM OF EXPERIENCED SPECIALISTS WAITING TO HELP YOU NAVIGATE THE INSURANCE WORLD.
Do not currently have insurance? We can find you a plan
Currently have coverage you are not satisfied with? We offer a review of plans better suited to you specific needs
Have recently become unemployed? There are no cost plans to review
Looking to become self-employed and want to review your options, ensuring you will be able to find coverage before taking that big step? There are low cost & no cost options to chose from.
Born outside the USA? As long as you have Citizenship documentation, we can offer a review of plans
Have been incarcerated? There are plans to cover you while you get back on your feet
There are plans available for all budgets & income levels.
How Vicki Can Help You?
WE HAVE A TEAM OF EXPERIENCED SPECIALISTS WAITING TO
HELP YOU NAVIGATE THE INSURANCE WORLD.
Health Insurance
These plans will cover Preventative Care, Primary Care and Specialist doctor visits, along with Prescriptions, Urgent Care, ER visits, Hospitalizations and surgery, with no Pre-existing clauses.
Hospital Coverage
There are a wide range of plans available, from no cost straight Catastrophic plans that cover accidents, along with no cost plans with varying copays, deductibles & Max out of Pocket, to plans with premiums that offer lower copayments, deductibles and max out of pocket payments and everything in between.
Vision and Dental for Family
Vision & Dental for Children is covered on certain plans. We also offer stand alone plans for Dental & Vision that have low premiums and can start in a couple days.
Prescription Coverage
Prescription coverage offered with these plans gives
us the chance to pick plans that will cover your specific list of prescriptions.
"Some of the requirements to apply for cost saving on the Marketplace are: Will have an annual household income that falls within 100 to 400 percent of the federal poverty level (FPL)Cannot be claimed as a dependent by another person"
Information from CMS.gov
"The Affordable Care Act (ACA) was enacted in March 2010.
It provides for eligible consumers to receive financial assistance to purchase a plan on the Marketplace.
Financial assistance can come in the form of premium tax credits (PTCs) to lower monthly insurance payments (called premiums) or CSRs (Cost-Sharing Reductions) that lower the amount a consumer has to pay for deductibles, copayments, and coinsurance.
Consumers can use advance payments of the premium tax credit (APTC) to lower their monthly insurance payments when they enroll in a plan through the Marketplace. The consumer’s APTC is based on the estimated annual household income and the household size that the consumer reports on their Marketplace application. The consumer’s PTC is determined after the end of the year based on the actual household income and household size for the year at tax filing."
We Help you make the best decisions
Let's Work Together
Our health advisors are excited to start shopping for available options for you and your family. Get a free consultation to chat with a health advisor expert that will listen, understand, and show how health coverage works.
Hear From Our Clients
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Jane Doe
Satisfied Customer
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Jane Doe
Satisfied Customer
"Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nec nulla viverra, vehicula erat ut, posuere mauris. Donec porttitor viverra arcu in porta. Ut et arcu viverra, imperdiet urna ut"
Jane Doe
Satisfied Customer
"Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nec nulla viverra, vehicula erat ut, posuere mauris. Donec porttitor viverra arcu in porta. Ut et arcu viverra, imperdiet urna ut"
Jane Doe
Satisfied Customer