Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)

• HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
• HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)

• These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
• If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.

High Deductible Health Plan (HDHP)

• High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
• If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health Insurance Plan

• A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
• Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
• Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
  
  Contact us to learn more about the right health insurance for you.

​​We offer Major Medical, Short Term Health and Ministry Health Share plans

​Major Medical

Major medical health insurance covers all the minimum essential benefits and meets the standards of the Affordable Care Act (ACA) for individual and family coverage. Many individuals and families select major medical coverage to ensure all their medical expenses are covered no matter what health concerns might occur throughout the year.

Major medical health insurance plans are the type of insurance people are referring to when they talk about typical health insurance coverage. These comprehensive plans comply with the ACA’s regulations for qualifying health plans and are designed to minimize out-of-pocket expenses for individuals and families.

Major medical insurance plans offer the ten essential benefits: 

• Hospitalization
• Outpatient procedures (also called ambulatory care)
• Preventive care like check ups and immunizations
• Prescription medication
• Mental health and addiction counseling
• Laboratory services
• Emergency services
• Pediatric care
• Maternity and newborn care

​Short Term Health Plans

Short-term health insurance plans provide limited, but affordable benefits when compared to a major medical plan that meets all of the benefit requirements of the Affordable Care Act (ACA or Obamacare).

You can choose between a maximum of 3 months, 6 months or 364 day plans. The plans including the deductibles are resets at the end of each period.

Pros
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They start quickly – In some instances, you can have short-term coverage in place within 24 hours.
They’re affordable – Between April and June of 2014, the average individual eHealth customer paid $107 per month, on average, for short-term coverage – however, short-term coverage is more limited.
They cover emergencies – Most short-term health plans are designed primarily to provide you with coverage and protection from unexpected injuries and illnesses that require emergency medical care.
They satisfy many non - government requirements for insurance – If you need to verify that you have health insurance for travel, or in order to get admitted to certain types of schools, like nursing or dental schools, short-term plans often satisfy those coverage requirements.
You can cancel easily – When you apply for short-term health insurance, you’ll typically have the option to pay for your coverage all at once, or you can pay month-to-month. If you pay month-to-month, it’s very easy to cancel your plan at any time.

Cons

They not have to cover pre-existing conditions.
Some plans include preventive care but with a copay.
They have limits on how much they have to pay per incident and lifetime.
These plans are designed to be gap coverage between major medical plans. Recent law changes have relaxed the rules so that companies can offer these plans as alternative to major medical plans but do not have to compliant with major medical regulations.

​Ministry Health Plans

appointed to the position or by committee vote), the request is paid directly to the healthcare provider by using funds from other members’ savings accounts.

As with traditional health insurance policies, there is usually a set amount that each family (or individual) has to pay before submitting requests to the program for assistance. This amount can range from about $500 to $10,000.
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Members are part of a preferred provider organization (PPO), which means they receive pre-negotiated rates when they use providers in that network. If a member uses a non-PPO physician or facility, they may have to pay out-of-network prices or even shoulder the entire bill.

Pros
​

• Healthcare sharing ministries are cost-effective because each family contributes a monthly specific dollar amount they choose based on program options.
• Membership cannot be terminated for developing a medical condition.
• Healthcare sharing ministries do not impose annual or lifetime limits.
• Membership is not affected by the state of residence or employment status.
• Healthcare sharing ministries provide a viable option for those who are looking for an alternative to shopping on the ACA Marketplace.

Cons
​

• Plans state “NOT INSURANCE” so consumers have little or no legal protection if a claim is not paid, coverage is denied, or the ministry goes bankrupt. 
• There are certain restrictions and payment caps relating to pre-existing conditions.
• Certain pre-existing conditions, such as diabetes, may require a member to pay an additional monthly amount along with standard membership fees.
  ​They have limits on how much they have to pay per incident and lifetime.
• Because healthcare sharing ministries are faith-based organizations, they can have specific rules associated with membership. For example, members might be required to attend church regularly, abstain from tobacco and illegal drugs, and attest to a specific statement of faith.

(919) 521-5539
Raleigh, NC 27613
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