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What is Fixed Indemnity Health Insurance?

American families have choice in health insurance. Many are covered as a member of a group health insurance plan provided by their employer. If not, you can buy a health insurance plan from the marketplace of the Affordable Care Act (“Obamacare”), a short-term health insurance plan, a Christian health insurance plan or other faith-based health plan, or a fixed indemnity health insurance plan.

In this blog, we’ll look in more detail at that last option, compare it to Christian health insurance plans and other choices, and help you decide whether an Obamacare plan, a Christian health insurance plan or a fixed […]

June 24th, 2019|Categories: Uncategorized|Comments Off on What is Fixed Indemnity Health Insurance?

A healthy lifestyle can reduce your health coverage costs

Whether you have an ACA health insurance plan or a Christian health plan, a healthy lifestyle should be part of your health insurance calculation. In fact, healthy living, including diet, activity and other factors, fits into a Christian health plan very nicely.

A healthy lifestyle has a lot of benefits: you’ll be healthier, fitter, and stronger. Your whole family will be sick less often. You will all be able to participate in a full range of the activities you all love, together. You’ll be better able to contribute to your community, help your family and your neighbors. You’ll have less stress, […]

June 24th, 2019|Categories: Uncategorized|Comments Off on A healthy lifestyle can reduce your health coverage costs

A Christian health insurance plan makes an excellent travel companion

With temperatures slowly rising across the nation, many people are more than ready to trade in their snow shovels and winter boots for spring break vacation plans or summer sandals. Travel is an exciting way to explore new places, visit friends and family, and share new experiences with the people you love. But for those with limited health care options, travel also means taking chances that no harm or accident will occur while away from home.

Many health insurance providers limit their non-emergency coverage to care within the state where a plan is issued. If you are someone who travels often […]

June 18th, 2019|Categories: Uncategorized|Comments Off on A Christian health insurance plan makes an excellent travel companion

Why a Christian Health Plan is Perfect for You and Your Family

Do you worry about paying for your family’s health care? Are you unsatisfied with the cost and coverage of your current health insurance plan? A Christian health plan, available through a Christian healthcare ministry, could be an affordable faith-based solution for your family. The monthly cost of membership in a Christian health plan is generally lower than the cost of monthly premiums for traditional health insurance.

The rising cost of health care is leading a growing number of consumers today to consider this alternative to traditional health insurance. A Christian healthcare ministry is not an insurance company. Ministries do not “insure” […]

December 18th, 2018|Categories: Uncategorized|Comments Off on Why a Christian Health Plan is Perfect for You and Your Family

Christian Health Plans FAQ

Interested in a Christian health plan? If you’re looking for a solution to the rising cost of health insurance, you owe it to yourself to learn more about this option for keeping your family healthy. These plans facilitate the sharing of medical expenses among groups of Christian individuals and families who have united to share each other’s medical bills.

Questions? Great. Here are some frequently asked questions — and answers — about Christian health plans:

What do Christian health plans cover? Medical needs eligible to be shared by members of Christian health plans compare favorably to what’s covered by traditional health plans. […]

December 12th, 2018|Categories: Uncategorized|Comments Off on Christian Health Plans FAQ

The Many Benefits of Dental Insurance

It’s a fact: People who have dental insurance are more likely to see a dentist twice a year and address problems with their teeth in a timely manner. That’s because most dental insurance plans cover most or all the cost of twice-yearly exams and make addressing problems with your teeth more affordable.

Regular dental care, included as a covered benefit in most dental insurance plans, is vital. Preventive cleanings and treatment care can help head off issues with your teeth. In addition, catching dental problems such as cavities early can save you from painful and expensive treatments later.

Regular exams also can […]

November 27th, 2018|Categories: Uncategorized|Comments Off on The Many Benefits of Dental Insurance

The Importance of Vision Insurance

You only get one set of eyes. That’s why vision insurance is so important. Vision insurance helps you pay for regular eye exams, which can help detect and treat a variety of eye problems. Several serious eye conditions such as glaucoma, diabetic eye disease, and age-related macular degeneration provide no early warning signs or symptoms and can only be detected through a comprehensive eye exam. Many people don’t realize that eye exams also can help detect health conditions such as diabetes, high cholesterol, and even high blood pressure.

Some qualified health plans available through the Health Insurance Marketplace include vision coverage. […]

November 19th, 2018|Categories: Uncategorized|Comments Off on The Importance of Vision Insurance

Is a Christian Health Plan Right for You and Your Family?

Do you worry about paying for your family’s health care? Are you unsatisfied with the cost and coverage of your current health insurance plan? A Christian health plan, available through a Christian healthcare ministry, could be an affordable faith-based solution for your family. The monthly cost of membership in a Christian health plan is generally lower than the cost of monthly premiums for traditional health insurance.

The rising cost of healthcare is leading a growing number of consumers today to consider this alternative to traditional health insurance. A Christian healthcare ministry is not an insurance company. Ministries do not “insure” individuals […]

November 5th, 2018|Categories: Uncategorized|Comments Off on Is a Christian Health Plan Right for You and Your Family?

Which Christian Health Plan Should You Choose?

At Health Choice One, we want you to know that you have more options than you probably realize when it comes to protecting your family’s heath. One alternative to traditional health insurance that you may not know about: Christian health plans. These plans are not traditional health insurance coverage. They are health plans offered by organizations called Christian healthcare ministries. These nonprofit organizations facilitate the sharing of medical expenses among groups of individuals and families who have united to share each other’s medical bills. There are several varieties of these health plans available, depending on your budget and how much […]

October 26th, 2018|Categories: Uncategorized|Comments Off on Which Christian Health Plan Should You Choose?

Young and Healthy? You Still Need Health Insurance

Have you received a notice that you are no longer eligible for health insurance coverage through your parent’s plan? Young adults generally can remain covered by a parent’s health insurance policy, but only until they turn 26. Each year, many young adults find themselves in the situation of reaching that age but not having access to employer-sponsored health coverage. Getting a health insurance plan on your own can seem overwhelming and costly. Plus, you’re young, healthy and don’t go to the doctor all that often. Do you really need health insurance? The answer is a resounding YES. Here’s why:

Illness or […]

October 10th, 2018|Categories: Uncategorized|Comments Off on Young and Healthy? You Still Need Health Insurance

Is a Faith-based Health Plan Right for You?

Did you know that there’s a more affordable alternative to health insurance for keeping your family healthy? Faith-based health plans, open to people of any faith and/or who believe in a higher power, are becoming increasingly popular due to their convenience and affordability. If you’re looking for a solution to the rising cost and complexity of health insurance, you owe it to yourself to learn more about this innovative alternative.

Faith-based health plans are offered by organizations called health care sharing ministries. Members of these nonprofit organizations, who share common religious or ethical beliefs, pool their money to pay each other’s […]

October 5th, 2018|Categories: Uncategorized|Comments Off on Is a Faith-based Health Plan Right for You?

The Future of Health Insurance

Since the morning after Election Day, we’ve received calls from clients wondering what they should do about their health insurance and how health insurance may change with a new president on the horizon.

The soundest advice we can offer at this time is to keep your health insurance if you have it, and continue to enroll as usual if you haven’t yet done so for the coming year. At this point in time, the Affordable Care Act is still in effect, which means that having health insurance is still a requirement. Because we do not know what changes will be […]

December 14th, 2016|Categories: Uncategorized|Comments Off on The Future of Health Insurance

2016 – 2017 Important Dates

Open Enrollment Period is the three months at the end of the year when individuals have the opportunity to shop for new health insurance plans. Below are some of the most important dates to mark on your calendar, including when Open Enrollment starts and ends, and dates when coverage will be effective. We suggest writing them down now, so you don’t miss your chance to get the health coverage you need!

Click Here for Full Disclaimers

The Coverage Gap

Years ago, when the Affordable Care Act was first implemented, our country saw high numbers of uninsured individuals, reaching around 42 million in 2013.6 The new health care reform law aimed to make health insurance more affordable and more accessible, and to hopefully lower that number. Several years into the Affordable Care Act, we have seen that astonishingly high number drop. However, there are still multiple reasons people don’t get health insurance. For some of those people, the reason is that they simply can’t.

One initial provision of the ACA was that every state would expand Medicaid to nearly all […]

October 4th, 2016|Categories: Affordable Care Act, Health Insurance, Obamacare, Uncategorized|Tags: , , , , |Comments Off on The Coverage Gap

Keeping Health Coverage With COBRA

If I asked, “what is COBRA?” how would you answer? Hint: the answer is not snake or car… not in this context, anyway. In the world of health insurance, COBRA stands for Consolidated Omnibus Budget Reconciliation Act. If that means absolutely nothing to you, I promise to explain it in a way that makes much more sense.

You’ve probably actually heard of it before, but maybe it never applied to you, or you just didn’t have a desire to learn what it was. The idea is pretty simple, though- COBRA is a federal law that may temporarily let you keep your […]

September 26th, 2016|Categories: Affordable Care Act, COBRA, Employer Health Insurance, Health Insurance, Health Insurance Terms, Obamacare, Uncategorized|Tags: , , , |Comments Off on Keeping Health Coverage With COBRA

Changes to Obamacare

As time goes on, some flaws in the Affordable Care Act have become more and more apparent. The Department of Health and Human Services has finalized three changes that will occur next year in the 38 states who use the federal exchange to purchase health insurance. These Obamacare changes coming next year are intended to alleviate some common problems people seem to have when selecting and even using their health insurance plans.

Size of Insurance Networks
The first change relates to the sizes of insurance networks. When a health care provider is removed from an insurance network, the insurance company will […]

September 22nd, 2016|Categories: Uncategorized|Comments Off on Changes to Obamacare

What Does ACA-Compliant Mean?

I spend my days sifting through articles and research surrounding the health insurance world. Recently I’ve noticed that a lot of writers write as if they’re only trying to speak to those who understand health insurance in its entirety. Clearly, those who completely understand health insurance are not the majority. Quite the opposite actually.

That said, I think it’s important to clarify some common terms that are frequently used to explain health insurance. Specifically, I’d like to explain what “ACA-compliant” means. I know that I’ve read countless articles with this term thrown around, with little to no explanation on what […]

September 20th, 2016|Categories: Affordable Care Act, Health Insurance, Health Insurance Terms, Obamacare|Tags: , , , , |Comments Off on What Does ACA-Compliant Mean?

The ACA Does More than You Know

As a health insurance brokerage, the majority of information we provide is geared toward, you guessed it- health insurance! However, the Affordable Care Act actually spans beyond just health insurance and attempts to improve all things health care. You’ll be surprised to learn that the ACA does more than you know.

I stumbled upon an article that was posted on Twitter yesterday that provides a comprehensive overview of all the ACA has actually done. The article from the White House details a few things most people already know- insurers cannot deny coverage based on pre-existing conditions, children can stay on their […]

March 3rd, 2016|Categories: Affordable Care Act, Health Insurance, Obamacare, Obamacare Benefits, Uncategorized|Tags: , , , |Comments Off on The ACA Does More than You Know

Don’t Let Obamacare Ruin Your Tax Return

Image created at memegenerator.net

When you enroll in a Marketplace plan, you’re asked to provide your expected income for the coming year to determine your subsidy eligibility. After you enroll, you’re then strongly encouraged to report any changes in your income in the coming year. As it turns out, there’s a reason you’re told to do this- so that you don’t let Obamacare ruin your tax return.

Do I speak from experience? Yes. Am I bitter? You bet I am. Do I want to help you avoid the same situation? Of course I do. So how did Obamacare affect my […]

February 26th, 2016|Categories: Affordable Care Act, Health Insurance, Obamacare, Tax Return with Obamacare, Uncategorized|Tags: , |Comments Off on Don’t Let Obamacare Ruin Your Tax Return

Preventive Care for Women

We talk quite a bit about the benefits of Obamacare- from the subsidies available to make it more affordable to no longer allowing insurance companies to deny someone coverage because of pre-existing conditions. However, as a female myself, I feel that one HUGE benefit of Obamacare is not mentioned enough, and that’s preventive care for women.

There is a long, long list (really, about 25 services) of free preventive care services that are available to women under the Affordable Care Act. I’m not going to discuss every single one, but I would like to highlight a few that I have […]