Health Insurance
Are you looking for a health care plan through the Affordable Care Act (ACA) Marketplace? We’ve got you covered. Fromme Insurance Services LLC helps individuals and families find affordable, reliable coverage that will fit their needs. Plus, the recent Inflation Reduction Act of 2022 has allowed many families to find coverage for even lower monthly premiums.
What are ACA Plans?
ACA plans are also referred to as Obamacare and are sold on the Marketplace or Exchange. Individuals and families can enroll in an ACA plan rather than an employer-sponsored or private plan. Pre-existing conditions won’t prevent you from enrolling in an ACA plan. In addition, many people receive tax credits and subsidies to reduce their premiums.
HMO vs PPO: What's Right for Me?
You’ve got options when it comes to health insurance. The most important thing is to understand the type of plans available, so you can pick the one that fits your and your family’s needs. Two of the most common plan types are Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs).
HMO Insurance - HMO insurance plans require members to get care within their network of doctors and hospitals. You will only have coverage if you stay within the network. You’ll select a primary care physician who will coordinate all the care you receive, even from specialists. Usually, HMO plans are cheaper than PPO plans.
PPO Insurance - PPO insurance plans also use networks but give members more flexibility. You can receive care outside the network, though you might pay more if you choose to do so. You won’t have to choose a primary care physician or obtain referrals to see specialists.
What Does It Cost?
Your household income dictates your monthly premium. You’ll answer questions about your income during the application process. At that time, you’ll find out if you’re eligible for premium tax credits. You’ll also have deductibles, coinsurance, and copayments, all based on which plan you choose. Plans are categorized by metal tiers. Platinum plans offer the most coverage, with Gold, Silver, and Bronze following.
When Can I Enroll?
The Affordable Care Act has an annual open enrollment period that begins November 1 and ends January 15 in most states. However, many people qualify for a Special Enrollment Period. If you’ve had a sudden life change, you can enroll in an ACA plan at any time of the year. Some qualifying life events include a change in employment, marriage, divorce, moving to a new city, and having a child.
Don't Risk Getting the Wrong Coverage
Work with us!
We understand the Medicare enrollment process can be difficult to understand. This is why we strive to educate and empower our clients to make the best decisions for their health insurance coverage.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options. Health Insurance sold on
frommeinsuranceservices.com is processed through the licensed entity: Garden State Medicare Solutions.
Comprehensive Guide to Medicare
Medicare can be a nightmare to understand. This book helps you avoid some common pitfalls when it comes to enrolling.