If you need health coverage, there are many Katy TX cheap health insurance options available to you. Golden Plan Choice offers the health insurance solutions you’re looking for. With our help, you’ll find a health plan that covers everything you need while staying within budget. Call us today to learn more about your coverage options.
After 2010, the Affordable Care Act (ACA) requires everyone to have health insurance coverage. Although health plans aren’t free, the ACA also made insurance plans cheaper than before. Many health care options give you access to various medical services at an affordable premium. Whether you find a private insurance plan or enroll in a government program, it’s much easier to get insurance now.
With over 15 years of experience, Golden Plan Choice’s team of insurance agents can help you find the health plans you need. Whether you’re looking for an individual insurance plan or a family one, we can help you. We can also provide all the information you need to enroll in a government coverage program. We’ll help you and your family make the best health insurance choices.
Different Types of Katy TX Cheap Health Insurance
There is a difference between private insurance from an insurance company, insurance you get from your employer, and programs that the government sponsors. The main difference is how much those plans offer and the range in premiums and deductibles.
For most people, you can get health insurance as a benefit from work. However, your job may not offer any, or it may not cover everything you and your family need. That’s why many people also have a plan with an insurance agency or enroll in a government program as well. Although, in the end, the cheapest option for you may depend on your income and medical needs.
Medicaid is the nation’s public health insurance program for those with low household income. This program covers one in five citizens and is the main source for long-term coverage in the U.S. Most of those enrolled in Medicaid can’t afford other insurance or programs. It covers a wide range of health and long-term care services.
The program itself is a joint effort between federal and state-level governments. The federal government states benefits that must be part of every plan, and the state can decide on several optional ones. These mandatory ones include hospital services, preventative services, ambulatory services, and many others. Optional services include prescription drugs, dental plans, vision plans, and many others.
There are two ways to apply for Medicaid. You can contact Texas’ Medicaid agency or fill out an application through the Health Insurance Marketplace.
Another name for the Affordable Care Act is “Obamacare.” It introduced another government program that makes health insurance more accessible to those that need it. This program allows people with pre-existing conditions or who can’t afford typical private insurance. Every compliant plan covers a wide range of services and includes several for free.
One of the strong suits of Obamacare is the premium subsidies. If you quality, these subsidies pay for a portion or all of your monthly insurance payments. The factor that affects if you qualify is mostly your income. However, they also take into account your immigration status, age, and access to other government or employer coverage.
Typically, there’s a limited enrollment period every year, starting in November. Otherwise, the only other time to enroll or make changes is during a “special enrollment period,” which happens when you experience a life-changing event. This event can be marriage, divorce, or adding a new dependent to your family. If you’re looking for the best Obamacare plan for you, Golden Plan Choice can help you throughout the process.
Medicare – Medicare Advantage
A type of Katy TX cheap health insurance for those 65 or older is Medicare. There are different Medicare plans called “parts.” In general, there are Parts A, B, and D. Part A is your typical hospital insurance, while Part B is your typical preventive care coverage. On the other hand, Part D covers prescription drugs.
Typically, most people get Part A and Part B and opt-out of Part D. However, there is an additional part called “Medicare Advantage” or Part C. Medicare Advantage bundles Parts A, B, and D together into one while also including a few other benefits. Some of these extra benefits are routine dental and vision checkups, as well as hearing care and hearing aid allowances.
Any citizen of the U.S. is eligible for Medicare. Most people can enroll three months before their 65th birthday through social security. If you want to enroll in Medicare Advantage, Golden Plan Choice has plans available to you.
Medicare supplements or “Medigap” is insurance that helps fill “gaps” that occur in your typical Medicare plan. Although your usual Medicare plan covers a majority of your health care services, it can’t cover everything. Medigap can help you cover the parts that remain.
Your Medigap plan can help pay for copayments, coinsurance, and deductibles. There are many plans that you may qualify for. However, there have been some changes to Medigap since 2020. To see which plans you qualify for, don’t hesitate to give Golden Plan Choice a call.
Contact Us for Cheap Health Insurance
Health insurance covers the cost of your medical expenses. Although you may receive insurance as a benefit from work, you may also qualify for private insurance or a government program. Most plans section out the different types of coverage. That makes it easier for you to figure out what you need and exclude from your personal plan.
Finding affordable health insurance may be tricky if you don’t know where to start. Golden Plan Choice can help you through your entire health insurance buying process. Our agents can help narrow down your available choices so you’re not overwhelmed by the abundant resources online.
Katy, Texas Fun Facts:
- Currently, the city of Katy is the hub of three different counties: Harris, Waller, and Fort Bend.
- Before it got its current name, the used to be called “Cane Island.”
- However, with the railroad and subsequent rice farming, it grew to the size it is today, taking on the name “Katy.”
- For more fun facts, visit the city’s official page.