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Finding an affordable health insurance plan that meets your needs doesn’t have to be difficult. Actually, it should be as easy and seamless as using any website to buy a product. Exchange Healthcare simplifies the healthcare buying process by connecting you to the right agents for your situation. We strive to provide affordable health coverage options that will meet your needs and budget.


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Health Insurance Plan Types

HMO

A Health Maintenance Organization or HMO plan has some pros and some cons. The main benefit being price. In most cases HMO’s will cost less than a PPO plan. There is no out of network coverage, and you will have a PCP or Primary Care Physician. You must go to your PCP for everything. If you need to see a specialist, you will need a referral from your PCP.

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PPO

A Preferred Provider Organization or a PPO also has some ups and downs. Main downside being cost as PPO’s tend to cost more monthly than an HMO. You do not need a PCP therefore you can choose what doctor to see. You will also be able to go directly to specialists without needing a referral. You will also have out-of-network coverage.

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EPO

An Exclusive Provider Organization or EPO offers a local network of doctors and hospitals. An EPO is usually cheaper monthly than a PPO, but if you need service out of network it will not be covered. They also usually come with high deductibles. If your concern is monthly payment and you do not mind paying a higher deductible if needed, an EPO may be right for you.

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POS

A Point-of-service plan or POS is a hybrid of an HMO and a PPO plan. Like an HMO you will have a PCP, but like a PPO you can go out-of-network for services. Typically, services provided by your PCP are not subject to your deductible. If you’re willing to play by their rules and coordinate your healthcare through your PCP a POS may be for you.

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Insurance Types

Marketplace

A Marketplace health insurance plan is any plan bought through the federal or an individual state health marketplace. They must follow certain rules and cover the 10 essential health benefits. For these plans you must enroll during the “Open Enrollment Period”. Outside of Open Enrollment you will need to qualify for a Special Enrollment Period due to a qualifying life event.

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Private Insurance

The term Private Health Insurance means any health insurance plan that is not through a state or federal government. It is offered by a private entity, like an insurance company or brokerage. This can include federal or state marketplace plans, employer coverage, or a plan bought through a broker or agent. Private insurance plans also offer short-term as well as catastrophic health plans.

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Group Health Plans

A group health plan is established or maintained by an employer or an organization (such as a union), or both, that covers medical care for its participants and their dependents directly or through insurance, reimbursement or otherwise. Group health members usually get covered at a reduced cost since the insurers risk is spread across a large group of participants.

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Your Choice

Vision

There are health and wellness plans available to reduce your cost for routine eye care and glasses or contacts. FIND OUT MORE →

There are health and wellness plans available to reduce your cost for routine eye care and glasses or contacts. Some plans offer vision correction surgery like Lasik and PRK. Unlike health plans most vision plans are discount plans or wellness benefit plans that offer benefits and discounts for an annual premium. FIND OUT MORE →

Dental

Dental plans available vary in coverages some work like health plans with deductibles and co-insurance and some are discount plans. FIND OUT MORE →

Dental plans available vary in coverages some work like health plans with deductibles and co-insurance and some are discount plans. Both have ups and downs. With a discount plan you will not usually get a free cleaning instead a highly discounted rate. On a regular dental insurance plan you will get free cleanings and after your deductible is met everything is covered, but only until your yearly max of usually $1,500 was incurred. Then you are responsible for everything until the year is up. → FIND OUT MORE

RX Precription Coverage

When choosing a health plan, you must look closely at the prescriptioncoverage. FIND OUT MORE →

When choosing a health plan, you must look closely at the prescription coverage. Some plans have set co-pays, some you must meet a deductible first. Some cover meds 100%. Some only cover certain medication. So ensure you understands your prescription coverage before you enroll. FIND OUT MORE →

10 Essential Health Benefits

1

Prescription Drugs

One drug from each category of drugs must be covered by your health insurance plan. These categories were created by the federal government.

2

Pediatric Services

This includes vision, dental, well-child visits, vaccinations, and immunizations. Dental and vision must be offered through age 18.

3

Preventive and Wellness Services

Includes services like: counseling; cancer, asthma, diabetes screenings; physicals; and vaccines.

4

Emergency Services

Any trip to the emergency room where you truly need care as soon as possible. This also means that you won’t be penalized if the hospital is out of network.

5

Hospitalization

Treatment you receive in the hospital as part of inpatient care. Now these benefits may have a limit, but still have to be covered.

6

Mental Health and Addiction Services

This includes services to treat behavioral health, provide counseling, or provide psychotherapy. As well as drug and alcohol treatment.

7

Pregnancy, Maternity, and Newborn Care

These are services that care for you and your baby before, during, and shortly after giving birth. From delivery to the doctors appointments, they all must be covered.

8

Ambulatory Patient Services

Any outpatient care you receive without being admitted to the hospital. Most plans already covered this, as it is the most used.

9

Laboratory Services

This includes testing to diagnose disease, for blood tests for medications, and much more. If it is to diagnose disease it must be covered 100%.

10

Rehabilitative and Habilitative Services and Devices

These services help you recover if you are injured, have a disability, or have a chronic condition. At least 30 physical therapy, occupational therapy, or chiropractic visits. At least 30 speech therapy, cardiac, or pulmonary rehab visits.

10 Essential Health Benefits

1

Prescription Drugs

One drug from each category of drugs must be covered by your health insurance plan. These categories were created by the federal government.

2

Pediatric Services

This includes vision, dental, well-child visits, vaccinations, and immunizations. Dental and vision must be offered through age 18.

3

Preventive and Wellness Services

Includes services like: counseling; cancer, asthma, diabetes screenings; physicals; and vaccines.

4

Emergency Services

Any trip to the emergency room where you truly need care as soon as possible. This also means that you won’t be penalized if the hospital is out of network.

5

Hospitalization

Treatment you receive in the hospital as part of inpatient care. Now these benefits may have a limit, but still have to be covered.

6

Mental Health and Addiction Services

This includes services to treat behavioral health, provide counseling, or provide psychotherapy. As well as drug and alcohol treatment.

7

Pregnancy, Maternity, and Newborn Care

These are services that care for you and your baby before, during, and shortly after giving birth. From delivery to the doctors appointments, they all must be covered.

8

Ambulatory Patient Services

Any outpatient care you receive without being admitted to the hospital. Most plans already covered this, as it is the most used.

9

Laboratory Services

This includes testing to diagnose disease, for blood tests for medications, and much more. If it is to diagnose disease it must be covered 100%.

10

Rehabilitative and Habilitative Services and Devices

These services help you recover if you are injured, have a disability, or have a chronic condition. At least 30 physical therapy, occupational therapy, or chiropractic visits. At least 30 speech therapy, cardiac, or pulmonary rehab visits.

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Frequently Asked Questions


Let us determine your insurance needs by simply answering a few questions about your current situation. Using your age, location, and health our system calculates the best plans for you and pulls up your options. Then just buy a plan or speak to an agent if you have any questions.

Most plans can be purchased online. Depending on your area and enrollment periods you may have to be connected with an agent to finish the process. Either way use our quoting tool to choose the best plan for yourself and then choose to finish online if possible or get connected to an agent to answer questions you may have.

No, there is no difference if you buy a plan yourself or if you use an agent. Your monthly quote will always be the same. Insurance carriers by law, file their rates with each state government. So you will receive the lowest rate possible whether online or with an agent.

Depending on your location and needs, most plans can start as soon as midnight tonight. May take a little longer for underwritten plans that you would have to qualify for.

Yes, you can enroll in a plan today.

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