Ashland Heights Health Insurance Agents

Leading Health & Life Insurance Agency Serving Ashland Heights, SD & Surrounding Areas

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Choose The Best Health Insurance Policy In Ashland Heights With Our Experts

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    Buy Health Or Life Insurance Plans Near Ashland Heights

    Health Insurance icon
    Obtain Health Insurance In Ashland Heights

    Health Insurance

    Life brings plenty of opportunities to need medical care. Having a comprehensive healthcare policy to cover the financial aspect of those needs is vital to peace of mind and thorough care. Our Ashland Heights insurance agents are knowledgeable and ready to help!

    Life Insurance icon
    Obtain Life Insurance In Ashland Heights

    Life Insurance

    Life insurance is an essential piece of a well-rounded plan to ensure the financial security of your loved ones after your death. Contact the Ashland Heights life insurance agents at South Dakota Health & Life Insurance to learn more about the policies available to you.

    Medicare / Medicaid icon
    Old Lady Receiving Quality Care With Medicare / Medicaid In Ashland Heights

    Medicare / Medicaid

    Medicare offers adequate coverage for many individuals nationwide, but often requires a supplemental policy to ensure the gaps are covered. If you need help enrolling in Medicare or finding a secondary policy, South Dakota Health & Life Insurance is an excellent resource.

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    Different Types Of Health Insurance Plans

    Ashland Heights Health Insurance Plans That Meet Your Needs

    Health Maintenance Organization

    (HMO) Insurance

    An HMO is a network of specific doctors, hospitals, and other healthcare providers who provide care and are paid through your health insurance policy. Costs are reduced when you choose a doctor within the HMO network, and seeing a specialist requires a referral.

    Preferred Provider Organization

    (PPO) Insurance

    With a PPO, you have the flexibility to see a doctor within your specific network, similar to an HMO. However, costs are higher if the doctor is out of network, and your monthly premiums are higher too. You will not need a referral to see a specialist.

    Point Of Service (POS)

    Insurance Plans

    A Point of Service plan is similar to an HMO, where your costs will be greatly reduced if you keep your medical care within the specified network. Seeing a specialist will require a referral. Typically, a POS is considered a blend of HMO and PPO policies.

    Exclusive Provider Organization

    (EPO) Insurance

    With EPO insurance, your care will be covered if you visit a doctor or hospital within your policy’s network, with the exception of emergencies. The premiums are low, but you will typically end up paying more out of pocket before your coverage kicks in.

    Obamacare Affordable

    Care Act Plans

    President Obama enacted Obamacare in 2010, making healthcare more affordable to all with lower premiums overall. Let our Ashland Heights insurance company help you understand the options available to you and find the best plan under Obamacare for your needs and budget.

    Medicare Parts A, B, C & D

    Program Enrollment

    Each aspect of Medicare covers a different facet of care. Part A covers inpatient hospital care. Part B covers outpatient medical care. Part C offers a variety of Medicare benefits, and Part D offers coverage for prescription drugs. Our Ashland Heights Medicare agents can help you understand!

    Health Insurance Plans FAQs

    All healthcare policies place a maximum limit on the amount of costs that are covered, especially if it is not considered essential care by the insurance company. Each policy is different, so you will need to consult with our agents at South Dakota Health & Life Insurance to determine what is and is not covered under your plan.
    Health insurance is an important part of maintaining excellent medical care without straining your budget. Everything from regular checkups, emergency visits, small procedures, and large surgeries can be covered under your policy, along with aftercare such as prescription drugs and physical therapy. A health insurance plan will greatly reduce the costs associated with your care!
    Many health insurance policies are quite similar, but have a few key differences that distinguish them apart. With an HMO, you are required to seek medical care that is specifically within your network to avoid excessive costs. With a PPO, you do have the option to see doctors outside of your network, and you will not need a referral to see a specialist.
    With POS health insurance, you have the flexibility to see any doctor or healthcare provider you prefer, with less out of pocket expenses for checkups, procedures, surgeries, and other care. Your overall costs are typically lower. It is important to know that POS involves quite a bit of paperwork and higher up-front fees for out of network providers.
    Annual maximums refer to the amount that will be contributed to your medical care over the duration of a year before the rest is paid out of pocket. A lifetime maximum refers to the amount your insurance plan will contribute toward your medical care throughout your entire lifetime. Learn more at South Dakota Health & Life Insurance!

    Our Client Reviews

    “Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”

    Stevie King★★★★★

    “When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”

    Scott Richards★★★★★

    “Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”

    howard bacon★★★★★

    5-Star Rated Health Insurance Agents Near Ashland Heights

    Health Share Altrua logo

    Why Altrua Health Sharing Ministry?

    • FREE Telamedicine

    • No Obamacare Tax Penalties
    • Large PPO Multiplan Nationwide Network
    • Low Monthly Contribution Amounts from $100 for Single to $504 for a Family
    • Stable Rates due to Healthy participants
    • $2,000,000.00 of coverage
    • $35 Doctors office visits 6 per year per person
    • Maternity coverage available

    We Work With A Wide Variety Of Carriers

    BlueCross BlueShield
    BlueCross | BlueShield
    Health Net
    Health Net
    United Health Care
    United Healthcare
    IRS Rules & Guidelines For Employers Regarding Health Insurance Plans

    The IRS wanted to consider making additional precise rules and instructions for employers. The intent of these restrictions was to address the impact of employers contributing to employees’ decision to obtain alternate health insurance. The question the IRS posed to itself is:

    “What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the marketplace or outside the marketplace)?”

    Wraparound Coverage

    “Wraparound coverage”, a form of health coverage that is not subjected to the ACA rules that employers may help employees obtain starting in 2015 without being fined, is another option. This is basic health insurance that can be used to fill in the gaps of a regular health plan that meets ACA standards. However, the cost of providing this coverage to your staff cannot exceed 15% of the basic health plan that your employees are already covered under.

    If you still want to get away from your staff and their health insurance coverage, you may avoid the “employer payment plan” penalties by simply giving them a raise large enough to cover the cost of their benefits to the degree that is desired and feasible. Keep in mind that you will be subject to higher payroll taxes, and since this income is taxable to employees, the amount of the raise they’ll have available to purchase health coverage will be reduced by their increased tax burden. Workers might also forget why they were paid more in the first place, and start to consider themselves employees of a firm that does not respect its employees enough to provide health benefits.

    Finally, if you are large enough to be affected by the ACA’s employer mandate, you won’t be able to get out of paying the penalty for failing to offer health coverage.

    Professional Health Insurance Brokers Near Ashland Heights

    Find A Convenient Health Insurance Plan With Wide Coverage
    Professional Health Insurance Brokers Near Ashland Heights

    At South Dakota Health & Life Insurance, we know that understanding the options available to you and selecting the best policy can be an extremely overwhelming and confusing process. We are here to make it simple! Let our experienced Ashland Heights health insurance brokers help you find comprehensive coverage that works for your budget.

    • Medicare Health Plans
    • Group Benefits
    • Life Insurance Coverage
    • We work with families
    • Independent choices from carriers nationwide

    We are proud to carry independent relationships with “A” rated insurance companies nationwide. Let us help you find the best policy for your family, get enrolled, and start experiencing the benefits! Contact us today to schedule a consultation.

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