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Medicare Advantage

These plans, also called Part C, are offered by private insurance companies and cover the same benefits as Original Medicare, but may provide extra benefits.

ACA (Obamacare)

Affordable Care Act, also known as ACA or Obamacare plans, is health insurance that provides comprehensive medical benefits to individuals and families.

Dental insurance

These plans cover a portion of the costs of your dental care and services such as routine checkups, annual cleanings, x-rays, sealants, fillings and more.

Hospital Indemnity Insurance

Also known as limited-benefit plans or fixed indemnity insurance, these supplemental plans pay a set benefit for specific qualifying medical services.

Short Term Medical insurance

This is temporary medical insurance between jobs when you have gaps in coverage. These plans can be purchased for as little as 30-days or up to 364-days.

Telemedicine

Telemedicine services like Teladoc connect you with board-certified doctors who can diagnose and treat non-emergency medical conditions by phone or video chat.

Learn about Health Insurance

Learn about what it is, how it works and if it's right for you.

Learn about Health Insurance

Learn about what it is, how it works and if it's right for you.

In the News

2022 Medicare Coverage Survey

Setting health goals and making Medicare coverage changes in 2022 is a theme for many Medicare participants according to the latest HealthInsurance.com survey. Our February 2022 survey reached 1,000 Medicare-eligible Americans ages 65 and up, asking about changes made to their 2022 Medicare coverage during the fall Medicare Annual Enrollment Period (AEP), which runs from October 15 - December 7 each year. The survey also gauged healthcare cost concerns, access to medical devices like hearing aids, and healthcare technology usage behaviors. 2022 Medicare Coverage Key Finding #1: 34% considered making changes to their 2022 Medicare coverage during the fall Medicare Annual Enrollment Period (AEP). Our survey uncovered that many of our Medicare-eligible participants were dissatisfied with their existing Medicare coverage and decided to switch their Medicare plans during AEP. In fact, of that 34% that considered making changes during their 2022 Medicare coverage during AEP, 42% actually switched Medicare plans. Other top highlights include: 36% switched their Original Medicare plans to Medicare Advantage plans. 43% changed from one Medicare Advantage plan to another Medicare Advantage plan. Key Finding #2: 75% are concerned about out-of-pocket medical expenses. While 75% are concerned about growing medical bills, a whopping 91% of our survey participants think vision, dental and hearing aids should be covered in every Medicare plan. Here are their additional medical cost concerns: 91% think prescription drugs are too expensive. 29% ordered prescription drugs online because it was cheaper. 22% have avoided getting hearing aids because of the cost. Embracing Technology & Health Goals In The New Year Key Finding #1: 61% think the COVID-19 pandemic has advanced healthcare technology, and 58% have embraced technology more during the pandemic. These additional survey findings support these key stats: 71% think telehealth/virtual visits are more convenient than going to the doctor. 67% trust at-home technology to monitor their health. 42% used telemedicine during the pandemic, and 64% will continue to use it when the pandemic is over. 19% use a wearable device to monitor their health (i.e. Fitbit or Apple Watch). Key Finding #2: 25% have made health-related New Year’s resolutions While the majority do not use the gym as a means for exercise, 53% regularly workout through other activities like walking, doing virtual workouts, and using their at-home gym equipment. Full Survey Results View the full Medicare survey results. Survey Methodology The above survey results were gathered through a national survey of 1,000 U.S. adults ages 65 and older from January 23-26, 2022. Certain quotas were applied, and the sample was lightly weighted by geography, gender, race, education, and political party to reasonably reflect the 65+ population. Margin of Sampling Error: +/- 3.1 percentage points. More Medicare Enrollment Surveys October 2021: 2022 Medicare Annual Enrollment Period (AEP) Survey July 2021: Medicare Enrollment & Satisfaction Survey

Medicare Beneficiaries Still Weighing Options as Dec. 7 Open Enrollment Deadline Looms

With less than a week to go until the close of Medicare Annual Enrollment Period (AEP) on December 7, Medicare beneficiaries are still reviewing their Medicare options for the 2022 plan year, according to a national Medicare survey by HealthInsurance.com. The HealthInsurance.com Medicare AEP survey reached 1,000 Medicare-eligible Americans ages 65 and up, asking them their opinions of their current Medicare plans and coverage, along with healthcare costs concerns including accessibility to medical devices like hearing aids. MEDICARE ANNUAL ENROLLMENT PERIOD (AEP) The survey revealed that 63% review their Medicare coverage on an annual basis. And 33% of those surveyed think there is a better Medicare plan than the one they are currently enrolled in, which may be why 22% intend to make a change to their current Medicare plan during AEP. Additionally, 42% of those changing their plans during AEP intend to increase their coverage, while an additional 42% are wanting plans with lower costs. In terms of plan type, our survey found that 33% are considering switching from Original Medicare to Medicare Advantage; 33% are considering changing from one Medicare Advantage plan to another; and 20% are considering changing their prescription plan. HEALTHCARE COST CONCERNS Cost is playing a big role in the decision-making process for many Medicare beneficiaries. Of those on Medicare, 89% think prescription drug prices are too high, 64% are worried about out-of-pocket medical costs, and 39% admit to not filling a prescription because it was too expensive. So it's no surprise that 84% of our Medicare-eligible survey respondents are taking advantage of "senior discounts" to help curb healthcare costs. Accessibility emerged as a theme for this survey, too: 68% said that hearing aids should be sold over the counter, and 44% said they have or know someone who has avoided getting a hearing aid because of the cost. CHOOSING THE RIGHT MEDICARE PLAN Though choosing the right Medicare plan is an important decision, 59% still find it overwhelming or confusing to pick the best Medicare plan for their needs. In fact, 41% say understanding benefits is the most challenging part of finding the right Medicare plan. Our HealthInsurance.com Medicare survey also gauged what's most important when it comes to choosing the Medicare plan. 34% said selecting a Medicare plan that accepts their doctors is most important, followed by plans with low premiums and copays (25%) or extra benefits like vision and dental (25%). SHOPPING FOR THE RIGHT MEDICARE PLAN 62% shop for Medicare plans online, which aligns with the 58% that do the majority of their research online to help understand their Medicare options. Meanwhile, 37% contact their insurance agents to help them understand their Medicare options. And 22% turn to their family members or friends to help them navigate their Medicare plan options. Click here to view the full HealthInsurance.com survey results and methodology. SURVEY METHODOLOGY The national survey of 1,000 Adults 65 or older was conducted by Scott Rasmussen on behalf of HealthInsurance.com using a mixed mode approach. Field work for the survey was conducted by RMG Research, Inc. Most respondents were contacted online or via text while 102 were contacted using automated phone polling techniques. Online respondents were selected from a list of Registered Voters and through a process of Random Digital Engagement. Certain quotas were applied, and the sample was lightly weighted by geography, gender, race, education, and political party to reasonably reflect the 65+ population. Margin of Sampling Error: +/- 3.1 percentage points (for full sample).

2022 Medicare Annual Enrollment Period (AEP) Survey

As the Medicare Annual Enrollment Period (AEP) opens up on October 15, our latest HealthInsurance.com Medicare survey indicates that the majority of our Medicare-eligible participants make it a point to review their current Medicare coverage every year. The survey reached 1,000 Medicare beneficiaries ages 65 and older, asking them about their perceptions of their current Medicare plans, healthcare costs, technology, social media and retirement. Medicare AEP Survey Findings Key Finding #1: 63% review their Medicare coverage on an annual basis. Still, only 22% plan to make a change to their current Medicare coverage during the 2022 Medicare Annual Enrollment Period. Of this percentage, 42% want to change plans because they’re looking for more coverage and benefits, which may be offered through a private plan like a Medicare Advantage (Part C) plan. Other highlights: 33% are considering switching from Original Medicare to Medicare Advantage.33% are considering changing from one Medicare Advantage plan to another.20% are considering changing their Prescription Drug Plans (Medicare Part D).Medicare Fact: Original Medicare (Parts A and B) provides hospital and medical coverage to Medicare beneficiaries. Meanwhile, a Medicare Advantage plan can be an alternative to Original Medicare. Medicare Advantage plans may be appealing because many offer extra benefits (dental, vision, hearing), while giving you an annual cap on your spending.It’s no secret for those aging into Medicare that the various Medicare plans can be overwhelming and confusing to Medicare beneficiaries. But our Medicare survey honed in on what - exactly - is more confusing to our participants.Key Finding #2: 41% say understanding benefits is the most challenging part of finding the right Medicare plan for their needs.Other highlights:26% feel there are too many Medicare plans to understand and choose from.17% say understanding the plan costs can be confusing.16% worry about scams or misleading information.Researching & Shopping For Medicare PlansWe also asked our Medicare-eligible survey participants about who they turn to as a trusted source to research their Medicare plan options.Key Finding #1: 58% research Medicare plans online to understand their options.Meanwhile, 37% call their licensed insurance agents for guidance, and 22% seek out a family member or friend for Medicare advice.Key Finding #2: 62% shop for Medicare plans online.Whether it’s insurance company sites, government websites, or online marketplaces, the majority of our survey respondents also turn to the internet when shopping for Medicare plans.Full Survey ResultsView the full Medicare survey results.Survey MethodologyThe above survey results were gathered through a national survey of 1,000 U.S. adults ages 65 and older from September 13-16, 2021. Certain quotas were applied, and the sample was lightly weighted by geography, gender, race, education, and political party to reasonably reflect the 65+ population. (Margin of Sampling Error: +/- 3.1 percentage points)More 2021 HealthInsurance.com SurveysJuly 2021: Medicare Enrollment & Satisfaction SurveyJune 2021: Coronavirus Survey: Pandemic Health CheckupMay 2021: Coronavirus Survey Captures Work & Life In The New NormalApril 2021: Survey: Healthcare Habits And COVID-19 Vaccine ViewsMarch 2021: Coronavirus Anniversary Survey: One Year LaterFebruary 2021: Coronavirus Survey Findings: Coronavirus Vaccines & Prevention Amidst Pandemic FatigueJanuary 2021 (Part 2): Consumer Survey: The 2021 Super Bowl & Coronavirus ConcernsJanuary 2021 (Part 1): January Survey: A Look At 2021 & Healthcare Habits During COVID-19

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What are the ten essential health benefits as required by the ACA (Obamacare)?

The required essential benefits are designed to ensure everyone in the individual and small employer group major medical health insurance markets has comprehensive coverage for specific services in accordance with ACA guidelines. These benefits are:

  • Outpatient services (e.g. office visits)
  • Emergency room services
  • Inpatient services (hospitalization)
  • Maternity
  • Mental health and substance abuse
  • Prescription drugs
  • Rehabilitative and habilitative services (e.g. physical and occupational therapy)
  • Lab services
  • Preventive services (e.g. physicals, mammograms, etc.)
  • Pediatric dental and vision
What is the difference between ACA health insurance and short term health insurance?

ACA health insurance is the federally mandated health insurance law of the land, also known as Obamacare. It governs individual and family plans and requires ten minimum essential benefits. Anyone can apply, and those that are under the 400% poverty line can receive a financial subsidy to curb the cost of their health insurance. Enrollment is available November 1-December 15 in most states. If you have a life situation that leaves you uninsured, you might be eligible for the special enrollment period to get coverage.

Short term medical insurance is not ACA insurance. It is temporary insurance for those who need immediate coverage. Like ACA insurance, Short term health insurance includes benefits such as hospital, lab and x-rays, but it does not include all ten of the minimum essential benefits and it does not cover pre-existing conditions.

How do I know what Medicare plan to apply for?

Many individuals apply for both Medicare Part A and Part B so they have doctor coverage and hospital coverage. However, if you are interested in additional benefit structure and pricing, check out Medicare Advantage Plans, which is known as Part C to see if it fits for your life situation. Medicare Part C includes Part A and B benefits, but is offered through a private health insurance company instead of the federal government and may offer additional benefits and may have some other varying differences. If you take prescription drugs, it’s smart to look into Part D, which is the prescription drug benefit of Medicare.

What are the benefits of health benefits indemnity insurance?

Indemnity insurance such as a health benefit indemnity (a hospital indemnity often combined with other supplemental insurance services) is not major medical insurance Instead, it provides a cash payment directly to you (or to the provider you identify) when you experience a covered event, like unexpected hospitalization. You can choose how to use your benefit dollars and it helps defray the cost of medical expenses, both the expected like co-pays and deductibles, and the unexpected, like lost wages. Indemnity plans help protect you financially.

Why do I need dental insurance?

Dental insurance is an added benefit that is not covered by your health insurance plan. Cleanings, crowns or root canals are not covered by your health insurance plan. But dental insurance will help ease the cost of these types of medical expenses. However, unless you have employer group health insurance, dental insurance is not available unless you purchase coverage on your own. It’s a good idea to determine what kind of coverage you might need for you and your family.

How do I know if I need telemedicine coverage?

Telemedicine is low-cost access to U.S. board-certified doctors who can treat symptoms and prescribe medications over the phone or through video chat, just like a visit to Urgent Care. Unlike the doctor's office, you get a personal visit from the comfort of your home 24/7, even on holidays! If you have a high deductible or don't have a doctor's office copay option on your health plan, telemedicine is much more affordable than paying out-of-pocket for a doctor's office visit that takes you away from work or home.

Why do I need health insurance?

Health insurance can help protect you financially from the medical bills - like an accident or illness diagnosis you were not expecting. Paying for medical care out of pocket 100% can get extremely expensive. Surgical treatment for a broken arm averages $16,000. But with health insurance coverage, you will be able to manage your expenses. Not only does health insurance help you access providers like hospitals and doctors, it helps cover your expenses. Depending on your plan, you may have to meet a deductible and pay a co-pay amount for doctor’s visits, but insurance can cover a significant portion of your insurance bills. For example, the average ACA bronze level plan deductible is $5,900, but there is no lifetime max (e.g. an amount beyond which, insurance doesn’t have to pay). You can secure lower deductibles with higher level ACA plans (silver, gold, platinum) and with Short term health insurance. Short term life insurance plans do have a lifetime maximum, so if choosing a short term plan, check the amount. Often, for a few extra dollars, you can secure a lifetime maximum of $500,000 or more.

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