Скачать или смотреть 💡 Health Insurance Explained: Deductible, Copay, Co-Insurance & Max Out-of-Pocket

Confused by health insurance terms? Let me break down deductibles, copays, coinsurance, and out-of-pocket max so you can explain them with confidence! 💬✅

Understanding health insurance doesn’t have to be complicated! 🚑💡
In this video, I’ll clearly explain:

What a deductible is and how it works 💵

The difference between copays & coinsurance 🏥

How the maximum out-of-pocket protects your clients from high costs 🔒

Whether you’re an insurance agent in training or someone looking to better understand your health plan, this video will give you the knowledge and confidence to simplify insurance for your clients.

👉 Don’t forget to like, share, and subscribe for more insurance training tips to grow your business!

✅ Watch the ACA "Obamacare" Educational Tutorial for FREE: www.theacaschool.com

✅ To get 1 on 1 Help from our Health Insurance Team, Schedule a Call Here: https://www.theacaschool.com/get1-on-...

✅If you need help with a quote, please reach to me: my email is: [email protected]

🫤🫤ACA "Obamacare" can be confusing. Trying to figure out whether to use Healthcare.gov or a state based exchange website is not easy to do!!

😮For example, in most areas around the country, depending on the county you live in, you could have anywhere between 50 to more than a 100 health plan options. Then on top of that, several different metal levels like Catastrophic, Bronze, Expanded Bronze, Silver, or Gold plans. In my county where I live, I have 104 plans to choose from!!

😮😮Then to make this more confusing, you have to determining the correct household size and also determine the correct income for that policy year Then to make it even more confusing, you will plans that are HMOs, EPOs, and PPOs. And if you manage to get that done, then you have to determine the correct election to get enrolled!!

😮😮😮Most people don’t even know that they need to check the carrier provider search tool to make sure that their doctors and specialists are in the network. They also need to check the Rx search tool to make sure that the Rx they are taking are in the formulary, otherwise they will not be covered.

😃Did you know that we here at Simply Health Insurance Agency simplify the ACA process. Our experienced agents will guide you through the entire process, ensuring that we select the right plan that is tailored to your needs. We insured over 10,000 clients since 1999.

Our channel serves as an educational platform, unraveling the complexities of ACA "Obamacare." With over two decades of expertise, we'll make ACA seem easy for you. You'll understand the fundamentals, know your network and prescription coverage, grasp enrollment timelines, and discern which plans suit you best.

Since the inception of ACA in Jan 2014, with so many initial challenge and now fast forwarding to today – with stable carriers, expansive networks, and over 20 million Americans covered. ACA is here to stay, offering flexible enrollment options and essential health benefits with no discrimination based on pre-existing conditions.

96% of HealthCare.gov enrollees will be able to choose among three or more plans. Most of these standardized plan options offer many services pre-deductible, including primary care, generic drugs, preferred brand drugs, urgent care, specialist visits, mental health and substance use outpatient office visits, as well as speech, occupational, and physical therapies. Pre-existing conditions will be covered. Insurers cannot refuse coverage based on gender or a pre-existing condition. There are no lifetime or annual limits on coverage for essential health benefits.

Did you know that Many uninsured people do not even shop for health coverage, often because of perceptions of high costs. In reality, though, millions of uninsured people are eligible for free plans. We previously estimated that almost half of uninsured people could get health coverage for free with ACA subsidies. In many cases, $0 premium plans also come with cost sharing reductions, which significantly lower deductibles, copays, co-insurance and out of pocket costs maximums

Here is the most important thing that you need to know. If you choose to let us help you, the rates for plans are the same regardless of whether you let us help you or not. It's to your advantage to let us help and no additional cost to you. Here is what you need to do if you want some one on one help from us.

✅ To get 1 on 1 Help from our Health Insurance Team, Schedule a Call Here:
https://link.agent-crm.com/widget/boo...

Remember, it doesn’t cost you more to let us help you. We want to help you and answer your questions, and if it makes sense, we can help you choose and get enrolled in the best plan for your needs.

#ACA, #HealthcareRealTalk, #Obamacare