Medical
When should I buy?
As part of the Affordable Care Act, medical insurance is now guaranteed issue for everyone, but there are very specific times during which you can enroll or make changes:
- Open Enrollment: 11/1/18-12/15/18 for coverage beginning 1/1/19
- Special Enrollment: Certain life changing events like marriage, divorce, aging off a parent’s plan, or losing your job may give you a 60-day window to be eligible to enroll mid-year
What kind of plan can I get?
- Platinum plans covers roughly 90% of medical costs
- Gold plans cover roughly 80% of medical costs
- Silver plans cover roughly 70% of medical costs
- Bronze plans, including HSAs, cover roughly 60% of medical costs
Deductibles, Copays, and Coinsurance, oh my!
What’s next?
Call our office or email for a personalized quote! We will ask a few questions to help make recommendations, including:
- Do you have a carrier you would prefer?
- Do you have a doctor that you want to keep? Name?
- Are you taking any medications?
- Do you have any ongoing medical treatment?
Dental
When should I buy?
Dental insurance can be purchased throughout the year. Most plans (PPOs) will have waiting periods before certain services begin; those waiting periods begin when your plan starts.
What kind of plan can I get?
- Dental HMO
- Predictable Copays
- Lower Premium
- Smaller Network
- Dental PPO
- Plans pay a percentage of your dental costs
- Higher Premium
- Larger Network
What’s next?
Call our office or email for a personalized quote! Dental quotes really only need your date of birth and zip code, but knowing your dentist’s name will help too; dental plans are more advantageous if your dentist is in network!
Vision
When should I buy?
Vision insurance can be purchased throughout the year. We have a few different options to meet your vision care needs.
What kind of plan can I get?
- Vision PPO
- Blue Shield
- VSP
What’s next?
Call our office or email for a personalized quote!
(925) 363-5433
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