Your one-stop health insurance solution

Under-65 Health / ACA

The Affordable Care Act (ACA) is a comprehensive reform law that passed in March 2010 to make individual and family health insurance more affordable and accessible.

ACA has four tiers of coverage: bronze, silver, gold, and platinum. These tiers are determined by the percentage of total costs a health insurance plan will cover for a specific benefit. They’re also determined by your premiums, copayments, coinsurance, and deductibles.

Some common situations for ACA questions include:

• You are eligible for Medicare but a spouse or family member is not
  
• You are under 65 years old and not getting coverage through an employer
• You are uninsured and looking for individual insurance coverage for you and/or your family

Supplemental Health Insurance

We also offer many products that cover gaps that may exist in Original Medicare, Medicare Supplement, and Medicare Advantage plans. Depending on your coverage, your plan will include varying levels of benefits.

For example:

• Medicare Supplement plans do not include dental or vision services, so stand alone dental and vision coverage may be something to consider adding to your total insurance package.
• While Medicare, Medicare Advantage, and Medicare Supplement typically offer a per day dollar rate for hospital stays, you may want to consider a hospital indemnity policy. This provides a cash benefit to you in the event you are hospitalized to help cover expenses that may not be covered by your primary health insurance plan.

Keen Advisors offer plan reviews to discover what your current insurance benefits are and explore any additional coverage you may need or want

Critical Illness Plans (Heart, Stroke, Cancer)

Heart attacks, strokes, and cancer are not things we typically expect to happen to ourselves. Even if you are prepared, the costs can still surprise you.
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While many health plans include partial coverage of these treatments, they typically do not cover other costly related parts of these illnesses, like lost wages if you're unable to work or additional care costs.

Fortunately, critical illness coverage provides a lump sum payment in the event you are diagnosed with any of these to help cover the related costs to these illnesses.

As you get older, it may be time to start thinking about ways to have additional protection in case these unforeseen health concerns arise.