Do You Know What An AHP Is?
Most people have never heard of association health plans; however, these health insurance plans have been around for decades for small businesses in limited circumstances. Recently, new rules have passed that substantially expand the circumstances that would allow association health plans to be purchased. Most significantly, individuals now have access to these health insurance plans.
How Are Association Health Plans Different from ACA Plans?
Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget. These AHP plans will be different than the current ACA (Obamacare) health insurance plans, where insurers offering these plans cannot deny coverage for people with pre-existing conditions or charge them a higher rate based solely on their health status or history.
Association Health Plans, however, don’t have to provide the “essential health benefits” outlined by the ACA. (Maternity, Prescriptions, Pediatric Dental and Vision, Mental Health, etc.) Insurers offering Association Health Plans CAN base premiums on an individual’s age, gender, or industry.
Is This Coverage Enough?
This is where having an experienced, educated and knowledgeable licensed health insurance agent comes into play. Having an agent look at available plans and discuss the pro’s and con’s of each plan offered, and match your needs with what’s available or offered to you with your current and past health needs is critical. Even the healthiest person can become seriously ill or injured. If that happens, then not only will they deal with stress from the condition itself but also with the financial consequences of medical treatment.
Let Nevada Insurance Enrollment Advise You
Our Las Vegas, Nevada Health Insurance Agents are here to help you get the best coverage you can afford. Call us today to discuss your healthcare needs and budget, and we’ll help you find the plan that’s right for you and your family.
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Recent Posts
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A summary of benefits (SBC) is a 4-page document explaining a health insurance plan’s coverage, costs, and examples. It helps compare plans, understand costs like premiums and deductibles, and assess coverage for services like doctor visits or preventive care. Available through Nevada Health Link, the SBC is standardized for easy comparison but does not include provider networks or full exclusions. Learn how to use the SBC to choose a plan that fits your needs.
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What is a Prescription Drug Deductible?
In the world of health insurance, “deductible” is a common word. It refers to an amount of money that you pay out of your pocket before the insurance company begins to pay. A prescription deductible is the portion you’d pay first, then after you’ve paid the deductible, you may only have to pay a co-pay when you pick up your medication.
If you are single, you would only have to meet your prescription deductible. If you have two or more people in your family, each member may have to meet their own prescription deductible which could be up to 2 deductibles in the family. A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.