Summer is coming, and you may need Short Term or Travel Insurance. Many people aren’t aware that they very limited ,or often no benefits, under their Individual or Group Health Insurance if they travel outside the US. We offer many affordable options that cover medical treatment, with additional features like emergency medical evacuation, political evacuation, and extreme sports. We have also recently helped several families that needed Short Term Insurance in the US. This has happened when children had to have proof of Insurance for things like Summer Camp. While the children didn’t qualify for a Special Enrollment Period for traditional Health Insurance, they were able to get the Short Term proof of coverage as soon as the next day, and that was enough to get them into camp. If you or someone you know may need Short Term or Travel Insurance this Summer, just call 877-740-8683, or visit www.freedomfreequote.com , to get a free quote today.
The National Safety Council says the annual cost of injuries in the US is $753 billion. This includes medical costs, lost wages, and damages. Each year 1 in 8 people will receive medical care due to a non-fatal injury, and accidents are the cause of 33% of all ER visits. Workers comp does a good job of covering accidents at work, but 70% of accidents occur outside the workplace. While most people have Health Insurance, we have found that one of the biggest gaps in both Group and Individual policies, even with the new Health Care Reform, is the ER deductible and co-pay. You can obtain an affordable Accident Policy that helps with these costs for as little as 50 cents a day. Give us a call at 877-740-8683, or visit www.freedomfreequote.com , for a free quote today.
While the Open Enrollment for Health Insurance has ended for 2014, there are still situations where an person can qualify for a Special Enrollment Period. If you have an Individual Health Insurance Policy that has a non-calendar year Renewal this year, you may qualify for a Special Enrollment Period, or SEP. This could occur if you have a Grandfathered or non-Grandfathered transitional policy. If you receive a renewal notice from your Insurer, please give us a call at 877-740-8683, to discuss your options and find out if it is in your best interest to shop for a new policy. This SEP is in addition to the COBRA Special Enrollment Period , relating to Group Health Insurance, that will last until July 1st. There are also the regular Qualifying Life Events that will trigger an SEP. The Qualifying Life Events, or QLE’s, can include such things as gaining a dependent, through birth, marriage or adoption. If you lose Minimum Essential Coverage, through no fault of your own, this can also qualify for an SEP. This could result from a loss of a job, reduction in hours, divorce, or a permanent move. There are complex deadlines surrounding the triggering events. While most SEP’s have a 60 day day window, there are some with only 30 days. If you thing you might qualify for an SEP, please call 877-740-8683, or visit www.healthreformenrollmentcenter.com , to speak to a licensed Insurance Agent for a person evaluation of your situation. If you can’t qualify for an SEP, there are still options available for Short Term Insurance, and the 2015 Open Enrollment will start November 15th.
The Department of Health and Human Services recently announced a one time Special Enrollment Period for anyone who has COBRA continuation from Group coverage. This will allow anyone currently on COBRA to enroll in a new ACA plan until July 1st. The normal rules of only being able to enroll in a Marketplace plan when first eligible due to loss of coverage, or when COBRA was exhausted(or during the Open Enrollment), are suspended for this time period. The decision was made because many people were unaware that would no longer be able to leave COBRA coverage during the year, and enroll in an Individual policy. Prior to 2014, people used to be able to purchase Individual coverage at any time during the year, so they could leave COBRA at any time. Under the Affordable Care Act, people are no longer able to purchase Individual coverage during the year, unless they have a Special Enrollment Period. Since COBRA coverage is often very expensive, it always worthwhile to compare Individual Health Insurance prices, especially if you might qualify for a subsidy. Please give us a call at 877-740-8683, to find out if you qualify for a Special Enrollment Period.
Many people underestimate the importance of good oral health. The reality is that it is so vital that the new Health Insurance Policies under the Affordable Care Act are required to provide Pediatric Dental as anEssential Health Benefit. In 2008 over 4 million children did not obtain needed dental care simply because they couldn’t afford treatment. The top 5 reasons for maintaining good oral health are:
1. To prevent oral cancer, curable if diagnosed early
2. To prevent gum disease
3. To maintain overall good physical health, heart attacks can result from poor oral hygiene
4. To keep your teeth!
5. Have a white bright smile and prevent bad breath
Often affordability is one of the biggest factors for people not getting the dental care they need. Fortunately there is a solution. With many companies now offering affordable, comprehensive Dental Insurance to Individuals. In years past, most people could only obtain good dental benefits through a Group plan. We now have multiple plans available, with innovative benefits, such as a Dental, Vision, and Hearing plan, at a price to fit any budget. Please give us a call at 877-740-8683, or visit www.freedomfreequote.com today for a free quote.