Catastrophic & Alternative ACA "Exempt" Plans

insurance

Major concerns for future ACA enrollments!

Fact 1:  The majority of the major medical carriers have dropped out of marketplace for 2018.  Companies like: Anthem, BlueCross, Humana, UnitedHealthCare, Cigna & Aetna will no longer offer coverage in the majority of the U.S. States and counties!

Fact 2:  The few off-branded carriers that will remain will provide very small networks and the MAJORITY of Americans will have to switch doctors and hospitals.  This will funnel participants onto fewer providers meaning there will be a waiting list to get in for general patient care!

Fact 3:  Because of ObamaCare, group insurance companies are now increasing their group plan rates to compensate for the billions of dollars lost in the Marketplace due from ACA promises of reimbursements which weren't even close to covering true costs!

It is time to wake up and get pro-active when it comes to your health insurance! American Insurance Broker's offers several alternative options that is EXEMPT from the ACA penalty and keeps the government out of your insurance!  Millions of Americans are searching for a better way without getting penalized.  Here are some great alternatives:

Catastrophic Plans

Looking for a health coverage that provides protection from life’s major emergencies? Coverage for big medical events is considered Catastrophic health coverage, also sometimes called major medical. Generally, it’s for people who either don’t go to the doctor often or aren’t concerned about paying for minor healthcare expenses out-of-pocket as they come up.

What is a Catastrophic Plan?

Catastrophic plans have low monthly payments but a high Member Shared Responsibility Amount (MSRA).  A MSRA is the amount you pay for health care services before your plan starts to share cost. Once you meet your MSRA, most catastrophic plans pay 100 percent for most services. Medical treatment for a serious illness or accident can cost thousands of dollars. So, you can see how these plans protect you from catastrophic expenses, and how they're better than no coverage.

Catastrophic Plans are Simple to Use

Catastrophic health plans are simple to use. You pay covered healthcare expenses until your cost sharing portion is met (MSRA). Then the plan starts to pay 100% toward your covered medical bills.

A catastrophic plan is for you if:  

  • You don’t go to the doctor often
  • You can pay for minor healthcare expenses out-of-pocket
  • You want to save on monthly premiums
  • And you don't have major pre-existing conditions within the last 2 years

A Catastrophic Plan Scenario

Let’s say you are a person who rarely visits the doctor and can pay for routine medical bills, such as an ear infection or blood pressure check. You purchase a catastrophic cost sharing plan in which your plan covers 100% after your MRSA. This means that after your sharing portion is met, you pay $0 of covered medical bills at the hospital. Unfortunately, you have an accident that requires surgery, an extended hospital stay and rehabilitation. These services can cost thousands of dollars and are likely much more than your cost-sharing responsibility. In this scenario, you would just pay your MSRA of the covered expenses until you reach your maximum out-of-pocket maximum. What a relief!

Examples of Covered Major Medical Events: 

  • Heart Attack
  • Cancer
  • Trauma
  • Hospitalization
  • Surgery

Below is a description of each carrier/company we work with.  You may click on the logo to go to that specific plan page which will show all plans available, brochure downloads and network links to check on specific doctors and facilities.  You can click HERE for a side-by-side comparison.

 

Medi-Share (CCM) is a healthcare sharing ministry founded on the belief that there is a BETTER way… a Biblical way, to take care of your healthcare. A way that focuses on people, NOT profit. A way that inspires you to live a healthier lifestyle so you can fulfill the plan God has for you. We are passionate about saving you money so you can use those funds to support your family and further kingdom work.

Medi-Share is an organized way in which Christians share their money to pay for each other’s eligible medical bills.

  • It’s accountable – Members vote on the guidelines.
  • It’s affordable – There’s an option for every budget that generally saves members around 50%.
  • It’s Biblical – It’s modeled after the early church in the Book of Acts where people were of one heart and mind, and shared what they had.
  • It’s community – Members support each other in prayer and come alongside you when you need it most.

But wait, there’s more. Your Medi-Share membership also gives you zero cost 24/7 access to telehealth providers and dental and vision discounts.

How Medi-Share Works

Each month, your monthly share is matched with another’s eligible medical bills. Through a secure online portal, Medi-Share publishes the bills eligible for sharing and coordinates the direct sharing of medical costs between members. You will know every month whose bills you are paying, and when you have eligible bills, your fellow believers will be sharing those and praying for you. 

Who is Medi-Share for?

Are you a Christian tired of paying the high cost of healthcare? Do you want a way to comply with the law that doesn’t involve paying for procedures that may go against your Christian beliefs?

Medi-Share may just be the healthcare solution you’ve been praying for.

With affordable options for individuals, families, and even seniors, it’s worth checking out. There’s even a group program for churches and Christian employers.

One of the advantages with Medi-Share versus other Health Share Sharing Ministries, is that only one Annual Household Portion is required "Per Family" as supposed to "Per Member"  (AHP - Annual Household Portion is the responsibility amount of the member per year before major medical services will be shared.  Other out-patient services are covered without having to pay an AHP.)

Click HERE for more info and rates

Click HERE to search for network providers

 

Aliera Healthcare Logo

Aliera Healthcare is an innovative healthcare organization that offers its members a wide range of medical services through a series of comprehensive medical plans. Our nationwide healthcare programs are centered around the Direct Primary Care Medical Home model of care which puts the member at the center of care. If you’re looking for healthcare solutions that are designed around your needs and provide the security of comprehensive care at an affordable price, Aliera Plans are right for you.

Individual & Family Plans

Become part of the growing trend in new and innovative healthcare centered around the Direct Primary Care Medical Home model of care incorporated with hospitalization from a HealthCare Sharing Ministry. Families large and small are enrolling in our new delivery systems.

Employer MEC Plans

Through Aliera’s subsidiary, HealthPass USA, we offer an ACA-compliant member-based healthcare product that includes nationwide preventive, episodic primary, and urgent care services, as well as 24/7/365 access to U.S. board-certified providers and pediatricians via phone or online.

Self-Funded Plans

We offer several levels of High Deductible Health Plan supplemental benefit programs to help employees and employers with the shifting of cost sharing. Choose either a HealthPass or CarePlus program to enhance basic coverage and create loyalty among your employees.

Click HERE for more information, brochures, pricing and enrollment

Click HERE for Provider search for Alieracare & CarePlus Plans

Click HERE for Provider search all other plans

New EraPAL

New Era Health Products are underwritten and administered by Philadelphia American Insurance Company, a wholly owned subsidiary or New Era Life Insurance Company. We specialize in affordable, consumer friendly products that offer an outstanding value in terms of price and claims paying ability.

Products Available:

  • Health Saver Plus III - Their Best 'ACA Exempt' Hospital Indemnity Plan providing up to $5,000,000 of lifetime coverage!
  • Health Choice Select - Next best option that also provides up to $5,000,000 in lifetime benefits!
  • Crisis Recovery Plan - A Tax-Free cash benefit for critical illness
  • 24 Hour Enhanced Accident Plan - Tax-Free cash for injuries
  • Dental Insurance Policy
  • GAP Plan for Major Medical - Helps cover high deductibles and co-insurance for high deductible Individual & Group Plans.

Click HERE for all information related to New Era

Altrua Logo

Altrua is another viable Health Care Sharing Ministry membership that is exempt from the ACA penalty.  Altrua Ministries has been in existence since 1999.  It is a "Faith-Based" alternative solution to the problems of rising health care costs and expensive health insurance policies.  This is NOT health insurance by definition. 

Altrua operates under a "Statement of Standards" therefore it is not tied to one specific faith/religion as other HCSM programs.

Statement of Standards - Can You:

  • Believe in caring for one another
  • Believe in living a clean and healthy lifestyle
  • Agree the use of tobacco, illegal drugs and excessive alcohol consumption is harmful
  • Agree sexual relations outside the bond of marriage is morally wrong
  • Agree marriage is to be between man and woman only
  • agree abortion is wrong except in life-threatening circumstances for the mother
  • agree physical, mental or emotional abuse of anyone is morally wrong 

Plans Available

  • Altrua Gold, Silver and Bronze Standard Plans - Annual *MRA's $500, $1,000 & $1,500
  • Altrua Gold, Silver and Bronze Advantage Plans - Annual *MRA's $3,000, $3,500 & $4,000
  • Altrua Copper Plans - Annual *MRA's $7,500 & $10,000

(*MRA - Member Responsibility Amount Per Person per Year before major medical services will be shared)

Good Fit For Altrua - This is for you if:

  • You can agree to the "Statements of Standards"
  • You are fairly healthy with very limited or no medications
  • You are unable to qualify for enough "Tax-Credits" to make your insurance affordable
  • Your group insurance is really bad or too expensive
  • You want affordable coverage for your employees or organization

Click HERE for Plans & Pricing for Altrua

Click HERE to find participating providers

 

Side-By-Side Comparison

 

GeoBlue

GeoBlue is quickly gaining popularity as more and more Americans travel abroad and or choose to have procedures done within or OUTSIDE of the US.

About GeoBlue Travel Health Insurance

GeoBlue provides peace of mind to world travelers and expats living abroad anywhere in the world via an elite network of providers, innovative mobile and online tools, and exceptional customer service. We are proud to set the standard for complete, reliable, convenient protection of your health and safety in the global community.

GeoBlue is a trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association; however, you do not have to be currently enrolled in a Blue Cross and/or Blue Shield medical plan to purchase a GeoBlue plan.

Why GeoBlue is Different

GeoBlue Members Enjoy:

  • 24/7 Phone, Web and Mobile Support
  • Prompt Access to Trusted Doctors and Hospitals
  • Cashless Appointment Scheduling
  • Paperless Claims Resolution
  • Destination Health Intelligence

Click on the logo or click HERE to more info and quotes!