We do our best to answer all your questions, helping you make the right choice.
Our Blog is full of tips and tricks to help you to get the most out of insurance
Learn moreYou cannot switch to an alternative outside the Open Enrollment Period unless you qualify for a Special Enrollment Period (SEP). A SEP is triggered by specific Qualifying Life Events (QLEs) such as moving to a new area, losing employer-sponsored coverage, getting married, or having a baby. Without a QLE, your ability to change to another ACA plan is limited.
What is the difference between an HMO, PPO, EPO, and POS plan?
HMO: Requires you to use in-network providers and choose a primary care doctor. Referrals are needed for specialists.
PPO: Offers more flexibility with in-network and out-of-network providers and doesn’t require referrals.
EPO: Covers only in-network providers (except emergencies) and doesn’t require referrals.
POS: A mix of HMO and PPO features; requires referrals but allows out-of-network coverage.
What is qualifying life event (QLE)?
What is qualifying life event (QLE)?
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
What is qualifying life event (QLE)?
What is qualifying life event (QLE)?
What is qualifying life event (QLE)?
What is a pre-existing condition?
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Why was my health insurance claim denied – and what can I do?
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
You can add your doctors during the first step, the assessment, or the second step, shopping. This allows you to see which plans include your doctors in their network and which do not, helping you make the best decision.
Yes, you may qualify for subsidies or tax credits if you purchase a public marketplace plan. Eligibility depends on factors like your household income, family size, and location. These subsidies are designed to lower your monthly premium and make coverage more affordable. You can use our subsidy calculator to estimate your potential savings.
Choosing the right plan starts with identifying your needs, such as doctor preferences, medications, coverage levels, and costs. You can compare plans side by side to see which one aligns best with your unique situation and budget.
Need help? We are happy to assess your situation and provide suggestions. Book a call
The cost of individual health insurance varies based on factors like your age, location, and coverage needs. Many plans also offer subsidies or tax credits to help reduce your monthly premium. We can help you explore all your options to find the best fit for your budget.
Public marketplace plans are tied to the government exchange and often include income-based subsidies or tax credits to help lower costs. Private health insurance, on the other hand, operates outside the government exchange and may offer more provider flexibility or additional options but does not include income-based subsidies.
Some dental plans include waiting periods for specific services, like major procedures, while basic services are usually available immediately. Vision plans, on the other hand, generally have no waiting periods. Be sure to review the details of your plan or speak with a specialist if you need coverage without waiting periods.
Yes, many providers offer the option to bundle dental and vision plans, which can simplify your coverage and lower your overall monthly cost.
Yes, most plans allow you to continue seeing your current dentist. However, to save on costs, check if your dentist is in-network before selecting a plan.
Need help doing so? Call or Email us.
Most dental and vision plans can start the day after you enroll. You can also choose a future start date if needed.
Most dental plans fully cover preventive services like cleanings, exams, and X-rays. However, it’s always best to check your specific plan details to confirm coverage before enrolling.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
You’ll be responsible for any costs beyond the set benefit amount. Fixed-indemnity plans are designed to provide financial support but aren’t meant to cover the total cost of care.
No, fixed-indemnity plans won’t cover treatment for pre-existing conditions during the first 12 months. However, after the first year, coverage for pre-existing conditions is typically included.
The cost of fixed-indemnity insurance depends on factors like your age, location, coverage level, and the number of people being insured. For an accurate rate, enter your zip code at the top of the page to shop plans in under 2 minutes.
Fixed-indemnity insurance provides set cash payments to help you manage healthcare costs. For example, with the Allstate Access Fundamentals Plan: – The average cost of a 1-day hospital stay in the U.S. is about $2,600.
– The Fundamentals Plan pays $4,000 per day for injury confinement, sending the payment directly to you. This means you not only cover the hospital cost but also have an additional $1,400 to use for other expenses, like uncovered medical bills or personal needs.
No, fixed-indemnity insurance is different from major medical insurance. It provides set cash benefits for specific services, regardless of the actual cost of care. While it doesn’t limit your financial risk like major medical insurance, it can be a good option for individuals looking to avoid ACA plans and save on premiums.vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
Filing a claim is simple. Email support@stemhealth.com to request a claim form. Fill out the form with details about your accident and include any required documents, such as medical bills or a report. Submit the completed form directly to your provider, and they will review and process your claim.
Accident insurance coverage options typically include cash benefits ranging from as low as $2,500 to as high as $17,500 per accident. Many plans also offer additional benefits, such as hospitalization coverage, accidental death payouts, telemedicine access, and more.
Medical insurance helps cover healthcare costs, but it often comes with high deductibles and out-of-pocket expenses. Accident insurance provides cash benefits to help cover these costs and other expenses not covered by your health plan.
The cost of accident insurance depends on factors like your age, location, coverage level, and the number of people being insured. Typically, plans start at $10-$50 per month. To get an accurate rate, don’t guess—shop plans now.
Yes, accident insurance plans allow you to add coverage for your spouse and dependents. Family plans provide a convenient way to ensure everyone is protected in case of unexpected injuries.
Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl taliquip ex ea commodo consequat. Duis autem vel eum iriure dolor insd hendrer vulputate esse molestie consequat, vel illum dolore eu feugiat nulla facilisis aeros et accumsan.
No, critical illness plans automatically renew each year, providing continuous coverage at the same rate.
Yes, as an employer, you can pay for critical illness insurance plans for your employees. However, each employee will need to answer the required eligibility questions individually to determine their qualification for the coverage.
Yes, critical illness insurance provides a lump-sum cash benefit directly to you. This payment can be used however you choose—whether for medical expenses, household bills, or other financial needs.
Yes, qualifying for critical illness insurance usually involves answering health-related questions during the online application process.
The cost of critical illness depends on factors like your age, coverage level, and the number of people being insured. Shop plans and see pricing in under 2 minutes by entering your zip code at the top of the page.
Enter your email for exclusive saving tips and a free guide to help you find the best plan.
*4 out of 5 people pay under $10/month
Email us and we will get back to you quickly
Contact Us
