Month: March 2023

Check One…Check Two… Is this Mic on?

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Did you know if you have an ACA health plan that you can get physicals and many preventative health screenings free of cost?  Many people say your health is your wealth. By getting preventative screenings, you can prevent larger problems and be here to do the things you love.

  • Health insurance may be more affordable than you think! Through the Healthcare Marketplaces, you can get subsidies to help pay for coverage. Subsidies are based on household income and family size. The federal exchange is healthcare.gov. Many states, including PA and NJ, have gone to state-based exchanges. Pennsylvania’s healthcare exchange is called Pennie.com New Jersey’s exchange is GetCoveredNJ.com

The exchanges have rates for all the companies that do business in your area. There are a variety of plans. In general, there are four levels of plans (Bronze, Silver, Gold, and Platinum) All plans include preventative care.

  • The Bronze plans are the least expensive. They are set up as catastrophic plans. They have a large deductible, and they are designed to take care of any big bills that may come your way. None of us know what lies ahead for us. This protects what you have worked hard to build for you and your family.
  • The Silver plans are a popular plan choice. While still being on the lower end of the cost spectrum, they provide more first dollar coverages. It is also important to know that based on your income you may qualify for CSRs (Cost ShareReductions) if you have a silver plan. What this means is that you could get lower copays and deductibles than what is offered in the standard Silver plan.
  • There are open enrollment periods during which you can purchase or change your Health plan. In general, this period of time runs from Nov. 1st to Jan. 15th. Some states extend the open enrollment to January 31st. You may, however, be able to purchase coverage mid-year if you qualify for a Special enrollment period. Some of the life changes that qualify you for a SEP include getting married, getting divorced, having a baby, moving, or losing other Coverage (Employer or Medicaid.)

Are you interested in a free quote?

Give me a sound check!!!

215-310-9324 www.rrinsurancepa.com

Ray Ruth

R & R Insurance

Insuring Recording Artists for 25 Years!

What Are My Healthcare Options?

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Almost everyone benefits from having health insurance. You never know when you’ll be involved in an accident or come down with severe sickness, and having insurance can prove to be of the utmost value. Health insurance provides compensation for your medical bills and can also cover a loss of income in some situations. Keep reading to learn more about your healthcare options in Quakertown. PA or contact R&R Insurance Group LLC.

How to Get Healthcare?

Once you choose to get health insurance, you’ll need to consider your options. There are several ways to get a policy, each of which presents its own pros and cons. Here’s a look at four ways you can get insurance today.

Individual Health Insurance

You can buy a health insurance plan for yourself or your family from a health insurance company or through the Affordable Care Act marketplace. When you use this option to get health coverage, you don’t have to worry about being tied to a certain job. Since the insurance isn’t coming through your employer, you’re able to switch jobs and industries as much as you like without compromising your coverage benefits.

Medicare

Medicare insurance provides a wide range of comprehensive coverage. You can only qualify for this type of insurance if you are over 65 years old. If you’re under 65, you must have a disability or suffer from ALS or end-stage renal disease.

Medicaid

Medicaid is available to those with low or no income. Certain individuals with low or no income automatically qualify for this type of insurance. These qualifying individuals include women who are pregnant, elderly adults, people with certain disabilities, and children.

Employee-sponsored Plan

An employer-sponsored health plan is chosen and paid for by your employer. Many employers allow you to insure yourself as well as your spouse and children through employer-sponsored plans. You may be responsible for a portion of the health plan premiums, but the employer usually pays the bulk of them.

Want to learn more about your healthcare options in Quakertown, PA? Contact R&R Insurance Group LLC today.