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Estaba harto de tratar con las compañías de seguros por teléfono. Decidí que era tiempo para reunirme con alguien en persona . Nos encontramos con Joe Martin. Pasó 25 minutos y nos ayudo a escoger el plan de seguro perfecto para nosotros. Yo recomendaría a Joe Martin y 1st Choice para cualquiera que quiere hablar con una persona real. Fue una experiencia tan fácil. Después de la reunión , los llamamos con preguntas y fueron rápidos para ayudarnos. no podría haber pedido mejor servicio. Gracias.
What You Need To Know
Seven Reasons To Speak With Your 1st Choice Agent When Shopping for Obamacare Health Insurance
Are you going to be shopping for Obamacare health insurance this open enrollment? Well, here are 7 good reasons to meet with your local 1st Choice agent before buying a Health Plan.
In an effort to help Obamacare health insurance shoppers navigate their way through open enrollment, we’ve prepared our list of the 7 things you need to know when shopping for 2017 health insurance coverage.
Take the time to review your options during open enrollment.
It doesn’t matter if you already have coverage or not. You should take the time to review your options during the current open enrollment period. Ask your agent any question and let them know of any concern you may have. If you miss the open enrollment period you may be stuck in your current health plan. Even worse, left under-insured for the remainder of the year. In addition, health insurance enrollment websites and centers will be especially busy towards the end of open enrollment. Closer to deadlines the more difficult to receive personal assistance. So make sure you make an appointment with your nearest 1st Choice location for early November.
Everyone should take the time to RE-SHOP for coverage. even if you’re already covered. But especially if you’re eligible for a subsidy.
You probably already know that it’s a good idea to shop around for things like auto insurance, cell phones, and televisions. But did you know that 7 out of 10 people could save money by re-shopping for Obamacare health insurance? You should make it a practice to meet with your 1st Choice agent early November. The best time for you to re-shop for health insurance is during the open enrollment period. Specifically Between the dates of November 1st and December 15th if you want to be covered in the month of January.
Make sure you find a health plan that covers your preferred doctors.
This point is important if you have a specialty doctor that you feel you must see. You should always double check whether or not a doctor accepts a particular coverage before you enroll. Doctors outside your provider network are more expensive then in-network doctors. Don’t ask if they accept your insurance. Instead, ask if they are in the provider network. Don’t assume they’re in your provider network if they say that they “accept” your plan. It’s always a good idea to confirm the doctor’s network status with your 1st Choice agent. In most cases your 1st Choice agent is the only friend you’ll have to help you with this task.
Make sure you’re enrolling in coverage that meets all of the Affordable Care Act requirements.
Whether you purchase a major medical plan in or out of the government exchange, it will still provide you with the same basic set of “essential health benefits”. As well as meet all of the coverage requirements under the law. However, it’s important to note that short-term health insurance plans or limited benefit plans might not meet all of the coverage requirements. These plans may leave you exposed to a tax penalty when you file your tax return.
Did you know 1st Choice Obamacare Health Insurance Agents Also Prepare Tax Returns?
By the way your 1st Choice agent is not only a licensed health insurance agent but also your tax preparer. That’s because your tax return really starts the minute you enroll in an Obamacare subsidized plan. Since the Obamacare Health Insurance / ACA application is really a tax subsidy application. Most of what you say in the application will affect your tax return. It is smart to enroll with a 1st Choice Health and Tax Dual Agent. Specially if you enroll on an Obamacare Health Insurance plan.
Fill your coverage gaps with short-term health insurance.
Know that your coverage on any new plan you select during open enrollment might not begin for up to six weeks. This doesn’t mean you have to go uninsured in the interim. While short-term plans don’t meet the requirements for the Affordable Care Act. They can limit your exposure to unexpected medical expenses. While you’re waiting for your new major medical plan to start.
Know how government subsidies work.
Subsidies are extremely helpful to people who are earning less than 400% of the federal poverty level. But it’s important to understand that your 2017 subsidy is based on your 2017 income. If you end up earning more than expected in 2017, you may end up repaying some, or the entire subsidy back to the government. 1st Choice agents make themselves available to you throughout the year. Make sure you update them with any changes to your income. This will help minimize any potentials of you having to pay back any portion. In most cases, if done correctly, they may increase your tax return.
It’s ok to look at your coverage options outside the government exchanges.
While shopping for health insurance in a government exchange is an option. It’s not always your best option. Especially if you are eligible for a subsidy. Private online marketplaces like 1st Choice are a better shopping experience. So, if you want to make sure your viewing all of your options, it’s always a good idea to shop around and look at licensed online health insurance marketplaces like 1st Choice.
With 1st Choice, you can explore your options for health insurance plans by entering your zip code, last name, email, and phone number where indicated on the right side of this page. You can also find the closest agent to you just below the quote request. Another and probably one of the best ways for you to get a quote is to Chat with an agent right now. The chat tool is located on the bottom right corner of every page. This is just another convenience that makes the 1st Choice shopping experience a 1st Class experience.
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