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Navigating health insurance can be overwhelming, but you don’t have to do it alone. Our experts guide you every step of the way to find, compare, and manage the plan that fits your needs.
Connect with an AgentAccu-Health Insurance Advisors is a nationwide enrollment center for individuals or families searching for affordable health coverage. Our certified, appointed & licensed agents will show you your options; and help you select the best program that suits all of your needs. We achieve this by reviewing our database and exploring different alternatives. The good news is here we are able to help you and your family save money and get you the best coverage available in the private market. You can get quotes the fast and easy way with Accu-Health Insurance Advisors!
Our services are available throughout the country. We also offer health insurance options from major companies along with A+ rated carriers. Once you have chosen a program, our certified, appointed & licensed agents will guide you through the application process, expedite your enrollment, review the main details of your options including the associations, and you’ll be informed regarding your status.
Accu-Health Insurance Advisors is currently one of the leading health insurance agencies. We offer a wide variety of health and life insurance options. The selections that we offer are customizable and tailored to the client’s specific needs. We offer multiple products and alternatives that can be bundled with any of the individual or family packages selected.
Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
Life insurance is a protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for payments made by the insured.
To get maximum benefit from your medications, it is important to take them exactly as prescribed by your doctor. In fact, your chance of a better health outcome improves when you take your medications as directed.
Dental Insurance is an insurance coverage for individuals to protect them against dental costs. It insures against the expense of treatment and care of dental disease and accident to teeth. Dental insurance is designed to pay a portion of the costs associated with dental care.
The Open Enrollment period starts on November 1st and ends on January 15th. If you enroll by December 15th your coverage will begin on January 1st.
Unless Congress acts to extend the January 31 deadline, you will be unable to purchase an Obamacare Plan until the next Open Enrollment period begins in the fall. Between this Open Enrollment Period and the next period, you can only enroll if you have a Qualifying Life Event.
If you previously purchased an Obamacare Plan, that coverage will expire at the end of this year. You can either renew your current plan or purchase a new plan, but you must act before the end of the year.
Enrollment during the first 15 days of the month... your coverage will begin on the first day of the following month.
Enrollment between the 16th and last day of the month — your coverage will begin on the first day of the second month following your enrollment.
For example: If you enroll on December 16, 2019, your coverage will begin on February 1, 2020.
Accu-Health connects you to virtually every health plan available during Open Enrollment. Compare plans and find the best coverage for the lowest rate now!
Finding the best life insurance policy for you is something we strive for. We understand that everyone’s situation and family require special care. With this in mind, there are many options and looking at the core policies available will provide insight. This list shows the most common life insurance coverages available.
This type of life insurance coverage gives death benefit protection for a specified period of time. The amount of time is usually 10, 15, 20, or 30 years. Whichever period of time is specified is the policies “term.” After the term ends, the policy renews annually. The majority of term life insurance providers let whoever owns the policy renew it until the individual reaches the age of 95. These renewals will increase over time.
Whole life insurance is a permanent life insurance coverage that gives a person death benefit protection throughout their whole life. Most of the time, this kind of coverage is provided at a fixed rate with guaranteed protection until the day the person dies and guaranteed cash value accumulation. Due to the fact that this type of coverage is with the person until they pass, there are usually higher payments than most other common life insurance policies.
Guaranteed universal life insurance coverage provides individuals with an inexpensive permanent policy. This coverage has a flexible death benefit period that is customizable up until the person reaches the age of 90, 95, 100, 110, and 121. The best way to define this coverage is as a combination of term and whole life insurance coverage. Over time, this coverage builds minimum cash value and the coverage stops once the individual reaches the age named in the policy.
Variable life insurance coverage has a fluctuating face value that is depending on the value of currency, securities, or other equity products that the policy is supported by when the payment is to be made. The erratic nature of this kind of coverage makes it so this is not a policy that everyone is willing to go with. These kinds of policies depend on the investment vehicle and when the market is being driven up, it is an excellent kind of coverage. With this being said, if the market is dropping, the increase in payments might become overwhelming.
When shopping for health insurance, it’s important to know that there are choices available. There is no one-size-fits-all insurance coverage and ultimately, the health insurance coverage one goes with is going to have to suit his or her needs. The plans differ but there are different types of coverages to choose from. With this being said, let’s go over these health insurance options.
Before Obamacare, healthcare was too expensive for many families to afford. And even if you could afford it, insurance companies would deny coverage to anyone who had a preexisting medical condition, making it near impossible to get coverage if you weren't 100% healthy. Obamacare, officially known as the "Affordable Care Act," changed all of that. Now, by law, healthcare has become much more affordable and universally available. You don't need a high income or perfect health to get insured.
Obamacare can be very confusing - the law is over 1,000 pages long! People have been overloaded with information, some of which has been inaccurate and contradicting. Some government websites have also been limited in terms of ease of use and health options offered. All this has made it difficult for people to know their options, shop around, and enroll in the plan that is truly the best fit for their income and coverage needs. And delaying on getting coverage is not an option. A big part of the law states that if you do NOT have coverage, you will have to pay a fine, which has increased since last year.
For those who are under the age of 30, it’s possible to obtain a catastrophic health plan.
A PPO includes more freedom related to the choice of health care providers. There is no need for a referral from a primary care doctor if you’re looking to visit a specialist. Any out-of-pocket costs are elevated when visiting providers that are outside of the PPO network as well. Comparing this to other plans, there is a bit more paperwork involved when visiting a provider from outside of the network. Once a patient visits an out-of-network provider, they must pay this provider and file a claim with the PPO to receive compensation.
An HMO has a network of health care providers and facilities that allow it to provide people with health services. This option will restrict patients to certain health care providers but there is not as much paperwork required as other plans.
When it comes to an EPO, you’ll have some freedom when choosing a health care provider. There is no need for a referral to visit a specialist.
A POS plan provides you with freedom relating to choosing health care providers. There is some paperwork involved when visiting providers outside of the network as well.
