There are additional healthcare insurance components you may want to consider based on your health and risk tolerance. Together, we can create a personalized plan and find a solution that meets all your healthcare goals.
The Affordable Care Act (ACA) is a comprehensive reform law that passed in March 2010 to make individual and family health insurance more affordable and accessible.
ACA has four tiers of coverage: bronze, silver, gold, and platinum. These tiers are determined by the percentage of total costs a health insurance plan will cover for a specific benefit. They’re also determined by your premiums, copayments, coinsurance, and deductibles.
Some common situations for ACA questions include:
We also offer many products that cover gaps that may exist in Original Medicare, Medicare Supplement, and Medicare Advantage plans. Depending on your coverage, your plan will include varying levels of benefits.
Keen Advisors offer plan reviews to discover what your current insurance benefits are and explore any additional coverage you may need or want
Heart attacks, strokes, and cancer are not things we typically expect to happen to ourselves. Even if you are prepared, the costs can still surprise you.
While many health plans include partial coverage of these treatments, they typically do not cover other costly related parts of these illnesses, like lost wages if you're unable to work or additional care costs.
Fortunately, critical illness coverage provides a lump sum payment in the event you are diagnosed with any of these to help cover the related costs to these illnesses.
As you get older, it may be time to start thinking about ways to have additional protection in case these unforeseen health concerns arise.
The odds of someone 65 or older needing some form of long-term care are about 72%.
Long term care insurance provides health or personal care that helps seniors live independently.
Many Medicare and health Insurance plans don't cover long term care, so this is a common supplemental policy to make sure seniors have the extra help they need as they age.