insurance-marketplace.info public vs private

www.Insurance-Marketplace.info


We know there has been a tremendous

amount of confusion surrounding the

new national health care laws or

“Obama Care” for all Americans.

We are committed to being the

organization that will help you

understand more on this topic and

provide you much needed answers.


We set out to offer the easiest ways to

understand the new laws and provide the

most comprehensive explanations to the

new health laws.

We have compiled a few answers to the

most commonly asked questions in this

first short presentation.


What is an exchange or marketplace?

A public or private exchange is a

marketplace to shop for coverage that is

best suited for you. It offers many choices

of plans for health insurance coverage

from multiple insurance carriers

approved to provide policies in your

state.


Do I have to get health insurance?

Yes, It will be mandatory for Americans to

have health insurance coverage

beginning in 2014.

Fines will begin later in 2014 for those

who do not purchase a qualified health

Insurance plan (Q.H.I.P.).


How will I order it and learn more?

Marketplaces and exchanges will be

online or available through a toll free

number. When you log-in or call a Public

Exchange you may spend an hour or more

to open multiple windows to determine if

you may qualify for a subsidy and secure

your personal information.



Our Private Exchange has highly trained

expert insurance agents staffing one of

the largest Insurance Marketplaces in

the United States.

The401Kman’s benefits line experts

are available to answer your questions

and provide multiple solutions and

quotes quickly and securely.


Can I order a dental or vision plan?

Yes, voluntary benefits plans are also

available on The401Kman benefits line

toll free at 888-389-4598

We offer Private Marketplace shopping

with all types of insurance plans,

Health, Major Medical, Metallic, and

Voluntary benefits plans.


How do I find out if I qualify for a subsidy?

Calling our benefits experts can help you

with answering your questions.

We can determine your eligibility through

asking you a few simple questions.

We also have a health insurance subsidy

calculator on our site to help you

calculate your eligibility as well.


What are the Metallic Coverage plans?

Metallic plans differentiate the levels

of co-pay or deductible amounts.

Bronze, Silver, Gold and Platinum

Are all different metallic plans with

different deductibles and co-pays.


BRONZE-

SILVER-

GOLD-

PLATINUM-

40% Deductible (out of pocket)




Catastrophic plans are available to those

under age 30 if they have to go the hospital,

but no subsidies are available. A voluntary plan

may help to pay the deductible*. *Some restrictions apply consult your insurance agent


How can I save some money on these plans?

Believe it or not by having more than one

policy nowadays it could be more

affordable!

Your Metallic plan will cover your major

medical policy expenses and a voluntary

hospital or indemnity policy could cover the

deductible and some other expenses. * These policies vary greatly in coverage consult a licensed agent for information.


How are two policies cheaper than one?

A high deductible with a major medical

plan (Metallic Plan) lowers your monthly

premium or payment cost.

The Voluntary plan will cover the

deductible or co-pay of the metallic plan

or possibly it could pay you cash back*.

*Voluntary Plan coverage varies greatly, consult a insurance agent for details.


Just like “Super Sizing” can save money

on your favorite take out menu bundling

and grouping things may also offer

savings or a better value.

You may save more by grouping or

bundling certain types of insurance.

Health + Voluntary.

Super Size my insurance like a value Meal?


A Public Exchange or Private which is better?

Both are alike for Major Medical

Insurance but not for Voluntary Insurance.

A Public Exchange has a few key

differences from a Private Exchange.

The biggest is the lack of Voluntary

Insurance plans, Dental, Vision, Cancer,

Hospital, Cash Back.


The Federal law prohibits Voluntary Insurance

from being sold on the public exchanges

simply because they vary so greatly.

A Private Exchange or marketplace will offer

the widest choices for individuals through

many different insurance companies which

may have the better selection of choices.

Is that all one simply offers more choices?


What if I have an existing condition?

It no longer matters if you have a pre-

existing condition the new Affordable

Care Act states that you cannot be

refused or pay more if you already have

an existing condition or been refused in

the past for that reason or are taking

certain types of medication.


Was this Helpful for you?

I have tried to cover the most commonly

asked questions here, and I know we just

scratched the surface.

Please go to our websites to use our

subsidy calculators and download your

free gift,

A Discount Pharmacy Prescription Card



www.BenefitsMarketplace.biz

You can always call your insurance

concierge at our toll free number

888-389-4598 to speak to our expert

specialists who are licensed

professional agents.

Call now to receive your multiple quotes

and find out your best choices.

http://www.insurance-marketplace.info/



http://www.benefitsmarketplace.biz/


Employers and not for profit organizations can reach

our group services division toll free at 877-775-0812

or simply find us online at www. The401Kman.com

We have many special programs and incentives for your

business or organization.

All information that has been presented here is subject to

change, educational in nature and not to be used for advice

without the proper consultation of licensed insurance agents and

certified professionals. We are not responsible for alterations,

changes or errors in the information or liable for damages from

or through the use of this informational presentation.

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