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Obamacare Major Medical Plans

Obamacare Major Medical plans – Affordable Care Act

Insurance Geeks is a free website and provides a team of licensed consultants who can help you quote, shop, learn, and enroll into a qualified major medical plan. We can help you understand and compare best options.

Elite Plus Marketplace Circle of Champions
You may quote and access a robust selection of ACA-compliant individual major medical health insurance plans from nationally recognized insurance carriers. Personal assistance is available for those needing guidance or assistance to compare plans, as well as options not available on the exchange. Exchange plans are guaranteed issue and meet the standards of a Qualified Health Plan (QHP), as required by the Affordable Care Act. 

Insurance Geeks Public Health Insurance Exchange
You may quote and access a robust selection of ACA-compliant individual major medical health insurance plans from nationally recognized insurance carriers. Personal assistance is available for those needing guidance or assistance to compare plans, as well as options not available on the exchange. Exchange plans are guaranteed issue and meet the standards of a Qualified Health Plan (QHP), as required by the Affordable Care Act. 

Helpful tip: Looking to save money? Consider a plan outside of Obamacare (ACA) like Short Term Medical Insurance. These plans are typically 50% lower in rates compared to Obamacare. It only takes a couple of minutes to compare; go for it! Click on a product below for a fast and easy quote.

Short Term Medical Insurance

Simple Term Health Insurance Plan
Plan provides insurance coverage in a different way. Simple Term Health Insurance helps to protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

  • Coverage as soon as the day after you apply
  • Flexibility to choose your own Physician and hospital
  • One common family Deductible per Policy Period
  • Coverage for newly unexpected Sickness, Injury or Accidents

SMART Term Health Insurance Plan

Short Term Health helps to protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

  • Ideal if you are between jobs waiting for new employer benefits, a seasonal employee, or a new graduate searching for employment with benefits
  • Deductibles from $250 – $10,000 to customize the perfect plan for you
  • $50 doctor office visit copay
  • $50 copay for one basic routine annual exam (not sure if this is one point we want to advertise, but it is on the selling sheet we use)*Benefits vary by state. Refer to your coverage document for specific terms and conditions.
  • Coverage as soon as the day after you apply
  • Flexibility to choose your own Physician and hospital
  • Coverage for newly unexpected Sickness, Injury or Accidents

SMART Term Health Lite Insurance Plan

Short Term Health helps to protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

  • Ideal if you are between jobs waiting for new employer benefits, a seasonal employee, or a new graduate searching for employment with benefits
  • A nationwide network, giving you the freedom to choose your own doctors
  • Deductibles from $250 – $10,000 to customize the perfect plan for you
  • $30 doctor office visit copay limited to 3 visits per policy period
  • $50 copay for one basic routine annual exam

Supplemental Insurance Plans

Core Health Insurance: Limited Indemnity Medical Plan

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan. Plans include benefits for:

  • Doctor Office Visit benefits (adult and child)
  • Wellness Visit benefits (adult and child)
  • Hospital and ICU benefits
  • Emergency benefits
  • Surgery and anesthesia benefits
  • Accident medical expenses and more
  • Single or Family coverage
  • Freedom to choose any provider (Doctor, Hospital)

GAP Assurance Plan

According to the center for disease control, 31 million people are unintentionally injured every year in the US. Most people are concerned about what would happen to themselves and their families if an accident ever happened, but they are unprepared for the financial burden when it occurs.

  • Access to benefits to help provide peace of mind throughout a covered accident, critical illness and recovery
  • Benefits can be used to pay for emergency treatment, treatment-related transportation, and lodging
  • GAP Assurance provides cash benefit to offset your out-of-pocket costs for eligible expenses
  • Covers up to the benefit max for accidents and serious illnesses that can help pay a medical plan’s high deductibles, coinsurance, copays, & other out-of-pocket costs
  • Payments go right to you. Use the money for whatever you need, like mortgage payments, credit card payments, car payments, day care, or business costs

Accident Protection

Comprehensive Accident Medical

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of health care resulting from injury or accidents. To qualify, there are no medical questions or exams. Coverage is guaranteed issue for eligible members as long as you
and/or your spouse are under the age of 65.

A simple accident can cost thousands of dollars. CAM can provide coverage for: People with high deductibles or out-of-pocket costs, in-between jobs or looking for work, an alternative to plans for which you do not qualify for, or students enrolled at a University looking for coverage.

SMART Accident Plus

More than 62% of all personal bankruptcies are caused by the cost of overwhelming medical expenses. Missing work due to an accident can put your family at serious financial risk. The SMART Accident Plus plan allows you to select the coverage you need.

  • Excellent supplement to high-deductible Qualified Health Plans
  • Flexible, affordable coverage: you choose from three benefit amounts
  • Additional voluntary plans for coverage in case of accident, cancer, or death with even more benefit options

You and your family have unique needs working within your budget. That is why we offer this affordable coverage in such a flexible manner. Due to changes in medical insurance legislation, many employers and individuals are choosing medical insurance plans with higher deductibles and co-payments. With this type of plan, there are major trade-offs. The price you pay for a lower premium is shouldering more of your out-of-pocket health care costs. With a SMART Accident Plus plan, you can lower your out-of-pocket medical expenses in the event of a covered accident or critical illness. Peace of mind is invaluable, and a SMART Accident Plus plan is an affordable way to protect your family. Getting contracted to sell this product is fast and easy, simply contact us for more information.

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