You really only have two viable options, outside of the ACA, for health coverage:

Major Medical coverage, which has deductibles, copays, and out of pocket maximums. It's great coverage, but it's very expensive (mostly due to prescription coverage costs), and the deductibles are still very high.
Defined Benefit packages, which are designed with little or no deductibles, but combine coverage into a customized package, that looks as close to Major Medical as possible, but doesn't provide any out of pocket maximum protection. These packages require a client to be relatively healthy to qualify, and the carrier will take a peek at the client's medical record as a part of the application process.

My job, as your agent, is to help you obtain Major Medical coverage, if that is your choice, or to customize a Defined Benefit package that exceeds the average costs involved in Medical procedures (using your state average hospital costs and the Medicare fee schedule) with as much coverage as possible, while keeping your premiums affordable for you.

It's a careful balance that we uncover together. After gathering the necessary information, I will recommend both a major medical option and a defined benefit option based on your information that I feel protects you the way I would want any friend to be covered.

If the premium is too much for you, we can peel away some things, but we will go over exactly what you are giving up, so you can make that educated decision.

Once we've dialed into the plan, we'll complete the application over the phone (and begin the underwriting process, if it's a Defined Benefit package).

Upon approval, we will conduct an online call to go over your coverage, so you are set up for success. However, I will remain your point person, for any questions regarding your coverage in the future.

And this can take place in YOUR timing, we can get it effective within a week, or nine months from now. You set the pace. No pressure.

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