MediCare Champions
Health & Medicare Insurance Made Simple
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Under 65 Health Insurance
If you’re under 65, you won’t qualify for Medicare unless you have received Social Security disability benefits for 24 months, or have end-stage renal disease (permanent kidney failure). However, it’s important that you keep paying the necessary taxes so that you will be eligible when the time comes.
You Have Options
If you’re not yet eligible for Medicare, then you’re probably wondering what your options are for health insurance. It’s important that you have a specific policy so you’re not left with thousands of dollars in uncovered medical bills, should something happen to you.
Employer Health Coverage
It’s common for people under 65 to get health insurance through their employer. Most employers will have some sort of access to different health insurance options to choose from, and you can ask your HR department for more information.
Individual Health Plans
Everyone’s situation is unique. We’re able to customize health insurance plans to meet the needs of the individual. And many of these plans are available through the ACA marketplace. Maybe you’re looking for a low-cost plan only for emergencies. Maybe you need a plan with higher coverage and lower out-of-pocket costs. Or maybe you’d like something in between. Just tell us your price range and coverage needs, and we’ll take it from there.
Family Plans
Family is everything. Protect your loved ones’ health and future with an insurance plan. We can help you select coverage that is tailored to your family, without costing you an arm and a leg.
Short Term Health Plans
If you need coverage as soon as tomorrow to cover the next 30 to 90 days, we can help you secure immediate insurance for you and/or your family. Depending on the carrier we match you with, it’s possible to make ONE payment for the whole coverage period.
Essential Benefits of Marketplace Plans
Under the Affordable Care Act, aka Obamacare, most health insurance plans are HMOs or PPOs. Other types include the less common EPO or POS. But ALL marketplace plans must provide, at minimum, a menu of essential benefits, including:
🔬 Laboratory Services
🚑 Ambulatory Services
🏥 Hospitalization Services
💊 Prescription Medications
🚨 Urgent & Emergency Care
🤱 Maternity & Newborn Care
🩺 Preventative & Wellness Services_
🧠 Mental Health & Drug Abuse Services
👉 Rehabilitative and Habilitative Services
🦷 Pediatric Services (Including Dental Care for Kids)
MediCare and MediCaid
When it comes to Medicare, the typical eligibility age is 65. However, there are some ways to qualify earlier. The main way that you can qualify before 65 is to have a specific disability. Some diagnoses will qualify you for various Medicare plans, so that’s important to keep in mind. Some individuals are known as dual-eligible because they qualify for both Medicare and Medicaid.
Special Needs Plans
Special Needs Plans are a specific type of Medicare Advantage plan. They’re extremely unique and one of the best ways to save money when it comes to medical costs. Each Special Needs Plan is made specifically for the diagnosis that a person has, so the coverage is made for the typical medical needs of a particular group. Special Needs Plans will include prescription drug coverage. Contact your insurance agent to learn more and see if you qualify.
Health Insurance Cost Vary
The cost of your health insurance policy will vary. It depends on whether you qualify for premium tax credits (subsidies). There are four basic types of plans: bronze, silver, gold, and platinum. The plans can combine different premiums, deductibles, and co-pays. However, you’ll be able to estimate what your out of pocket costs will be under each type.
Looking for Affordable Health Insurance?
With many options and companies to choose from, health insurance can be confusing. Let Sebastian Chambers be your guide. He’s a licensed, certified life and health insurance agent with many years of experience. Schedule a FREE consultation to review your situation!
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No Cost To You Insurance Consultation
Contact
Phone: (580)678-9610
Email: sebastian@champufs.cc
Address:
1401 SW Parkridge Blvd Ste D.
Lawton, Ok 73505
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.