When you work with us you have a local Alabama health insurance agent that works for you. With fewer and fewer Alabama health insurance exchange options it’s important to have an agent that can research and find the right individual health insurance policy for your situation. A local Alabama health insurance agent can help you narrow down the perfect plan out of all the options available, Affordable Care Act Alabama health insurance exchange plan, Short-term Alabama health insurance, indemnity and faith ministry plans. We do this by determining if you qualify for any tax subsidies, your current health condition, your budget, what doctor’s you use and what medications you take to find the right solution. Rest assured, we will do everything we can to get you the best price and coverage when purchasing personal health insurance.
Best of all you’ll see your Alabama health insurance policy in “black and white” before you purchase it and you’ll understand what your coverage does and does not do. When it comes to finding low-cost Alabama health insurance plans, you can spend hours doing your own research or you can make a single call or text to us. We’ll search dozens of Alabama health insurance plans from nationally recognized companies to find the coverage that’s right for you, at a price that fits your budget. And we’ll do it for free. Most consumers are unaware that no one broker can provide a better price, pricing is approved by each states insurance commissioner. Not only is the pricing the same for all policies offered by health insurance companies in Alabama (and other states) regardless of where you buy, agent commissions are also already built into the price of each one. That means you pay no extra money to have an Alabama health insurance agent help you in finding the right plan for you and your family. You’re already paying for the service of an agent, why not use the services of one to help you navigate the Alabama health insurance market.
The importance of having a proper health insurance package cannot be overemphasized since out-of-pocket payments are typically not ideal for settling healthcare payments. Health issues and emergencies can arise unexpectedly. With a proper Alabama health insurance package, you are sure of better health care and without extra debt when the need arises
Health insurance companies in Alabama offer several options for insurance to their clients depending on their availability in a particular locality. Residents of the state of Alabama have certain health insurance options available to them, and those options are covered in this article. The health insurance plans available to residents of Alabama include personal plans, plans available to families and those provided by employers.
HealthShares aka Christian Ministry Plans or Medishare plans, although not a health insurance plan, is also available to residents and citizens of Alabama. These plans allow persons that believe in or agree to the standards of a faith-based ministry to contribute to a common pool fund which the medical bills of members are paid from when the need arises.
With these plans, members are expected to make at least a minimum member responsibility amount (MRA) to enjoy full access to the plan. A MRA is basically the same as a health insurance deductible. The members of most Christian Ministry Plans are also exempted from the ACA penalty that is incurred by persons that do not have coverage as part of the individual health insurance mandate that comes with the Affordable Care Act. Currently the penalty is 2.5% of a families gross annual income. However, under the Trump administration the penalty is not being enforced currently. Another advantage of this plan is that persons that utilize it will likely be paying lower medical bills that are negotiated on their behalf by the group. Even if they have not met the member responsibility amount yet.
The form of coverage offered by Medicaid differs from state to state. The coverage available is dependent on the availability of funds since Medicaid is funded by both the federal and state government. Medicaid providers are licensed by the government, and they include laboratories, dental clinics, hospitals and nursing homes. The government sends the funds to the providers to cover the cost of attending to all persons that qualify for the coverage according to the stated requirements. It is noteworthy that Alabama Medicaid has limited availability and may not be available at all times. Again, Alabama has not expanded Medicaid services as required under the Affordable Care Act.
Alabama health insurance companies provide the different forms of health insurance coverage highlighted above. Apart from the HealthShares aka Christian Ministry Plans, the other health insurance plans are regulated by the Insurance Commissioner’s office. If you would like help finding the right Alabama health coverage for you, set up a time to meet with a local agent on our website.
I’m Larry Medcalf an Alabama health insurance agent. Our office’s goal is to help you find the right health insurance at the best possible price. Working with me and my team gets you a local agent that can meet one on one with you and that will allow you to see your health insurance options in “black and white”. There are a lot of healthcare products in Alabama but not all are created equal. Our job is to find the best Alabama health insurance product for you the first time and to make sure that you know what you are paying your hard earned money for and how to get the best use out of it. Our customers have access to me and my staff every day of the week and will always get a fast helpful response. Set an appointment to see how we can help you..