Individual Health Insurance
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Individual Health Insurance and Family Health Insurance
The comprehensive healthcare reform law, known commonly as ACA or Obamacare, requires qualified insurers to provide individual health insurance plans to enrollees that meet the minimum essential coverage requirements. These plans are designed to make healthcare more affordable and to provide coverage to everyone, including those with pre-existing conditions.
With an ACA health plan, you pay a monthly premium and typically, a co-pay when you visit your doctor. When choosing your plan, it’s important to look at the deductible, which is the amount of money you pay before your insurance “kicks in,” and your out-of-pocket maximum, which is the total amount of money you pay annually before your insurance covers you 100%.
The goal of Diversified Insurance Solutions USA is to offer premium insurance at competitive prices. We can assist you with all or just one of the following: health insurance, life insurance, dental insurance, vision insurance, short term disability insurance, long term care insurance, catastrophic insurance plans, or supplemental insurance plans.
The insurance business is continuously evolving due to the rise in medical expenses, and we are here to help enlighten you so that you may make the best choice possible.
The insurance companies will then be compared for you to choose which one will best fit your demands while staying inside your price range.
We are in the business of meeting all of your life and health insurance needs.
Diversified Insurance Solutions USA is here to assist you in making the most cost-effective decision possible regarding your needs for health insurance.
To have the greatest insurance possible, there are a lot of crucial issues that must be answered regarding the importance of health care.
For illustration:
- Where can we find doctors and hospitals?
- What does the existence of a network imply to us?
- What’s the process for my prescription drug plan?
- What impact would a high deductible health plan have on our premiums and benefits?
- What are the distinctions between HSAs, Catastrophic Plans, and PPOs, as well as any additional benefits?
These and other inquiries will be addressed by us so that you may make informed purchasing decisions.
We at Diversified Insurance Solutions USA are here to inform you so you may pick the health insurance strategy that’s best for you.
We begin by talking to you about your needs, your budget, and what has and hasn’t worked for you in the past.
Depending on your demands and budget, we will then compile a list of options from a number of health insurance providers so you can choose what will work best for you.
- Preferred Provider Organization: A group of healthcare providers, including hospitals and doctors, who consent to treat members of a specific group at pre-agreed-upon rates.
- A eligible high deductible health plan may include an HSA (Health Savings Account), and as savings accumulate, they may be applied to the high deductible out-of-pocket costs.