2019 Healthcare Insurance Will Provide Better Healthcare Options

For every year in recent memory, if you didn’t have health insurance, then you were breaking the law. The individual mandate penalty was a part of the affordable health care act that was designed to incentivize health insurance. Without insurance, you would be subject to a significant fine when filing your income taxes. For most people in 2017 and 2018, the penalty was more expensive than simply buying insurance, and because of this, there were record numbers of individuals and families who were covered by both federally backed and private insurance plans.

In 2019, the Affordable Care Act remains in effect, but the individual mandate penalty has been eliminated. Next year will be the first year in recent memory that you could not have health insurance and receive absolutely no tax penalty for it.

Of course, this doesn’t necessarily mean that it is smart to forego buying a health plan for 2019. There are significant advantages that come from having a health insurance plan, with better health care options being one of the most important.

How Does Health Insurance Give You Access to Better Healthcare Options?

If you rarely get sick and if you have not used your insurance in the last two years, then you might be wondering why you should even bother buying a plan for 2019. You might think that ignoring health insurance will save you money, especially considering that you will no longer be required to pay a tax penalty.

This is a dangerous line of thinking, as it leaves you with no options should you need emergency care or any type of care for an illness or disease that you develop. Health insurance is a safety net that ensures you have the right healthcare options when the unexpected happens.

Medical bills are a leading cause of bankruptcy in the United States. This is one of the reasons why the ACA had the individual mandate penalty in the first place. By incentivizing the purchase of insurance, people would be at less risk of receiving crippling medical bills. Although many were unhappy the government essentially forced the nation to buy insurance, the fact is that many people came out better off.

What Would Happen Without Healthcare Options?

Healthcare Insurance Imagine a situation where you are involved in an accident and require immediate medical care. Following the initial care, you may require an extended hospitalization period or rehabilitative treatments. You would likely require medications and follow-up visits with consultants and specialists. Without health insurance, this type of medical emergency could put you into tens or hundreds of thousands of dollars of debt. Unless you are a very wealthy individual, this would no doubt be utterly catastrophic for your finances.

Now compare that situation to one where you do have health insurance. Your emergency care would be covered, as would most of your hospitalization and any necessary treatments. Medications can be covered by insurance, and so can follow-up consultations. Even if your health insurance wouldn’t cover the entire cost of the treatments and consultations that were needed, the financial impact on you would be significantly less than if you didn’t have insurance.

Quite simply, your health insurance would protect you from the unexpected and ensure that you have options in any event. Whether it’s a vehicle accident or any other medical emergency; health insurance will give you peace of mind.

While you may assume that it is more affordable to just forego the purchase of a health plan, the reality is that any type of medical emergency, even a relatively minor one, would still be more expensive than the money you save from not having insurance.

A Health Insurance Plan Could Give You Alternate Healthcare Options

Emergency and primary care are not the only reasons why you should purchase a health insurance plan for 2019. A flexible plan could mean that you have healthcare options from different facilities and physicians. An HMO, for example, is rigid and would require you to visit facilities and practitioners from within a single network. However, you could choose something like Multiplan insurance to give you more health care options from a large network of different practitioners and facilities.

Some premium healthcare plans will give you even more flexibility, allowing you to choose any doctor that you like, and you would be able to get specialist consultations and procedures without the need for referrals.

These are the kinds of healthcare options that make insurance so worthwhile, and there’s really no reason why you shouldn’t enroll for an affordable health insurance plan at the end of this year.

How Can You Find the Best Insurance with the most Extensive Healthcare Options?

The only way to ensure that you are getting the best plan is to compare the offers that are out there. There is no single plan for everyone, as different types of insurance coverage are suited to people in different scenarios. There are some things that you will need to keep in mind as you choose, such as:

  • How much you can spend on insurance.
  • Whether you need out of network care or if you are happy to remain within a single provider network.
  • How many people you are buying insurance for.
  • Any pre-existing medical conditions you have.
  • Your recent medical history.

With Mutual Health Partners, you will be able to compare the very best health insurance plans available today. With the assistance of our licensed insurance agents, you could buy healthcare options for 2019 that protect you from financial hardship.

Whether you need simple coverage and are in good health, or if you want to buy specialized coverage for long-term care or any other reason, then being able to compare options from the best insurers will enable you to make the right decision.

Talk to the experts today and be ready for your healthcare needs in 2019.

 

 

Understanding the Benefits of Multiplan PPO Insurance

When looking for insurance coverage for either yourself or your entire family, you have probably seen offerings for Multiplan PPO Insurance. There are many different insurance types available today, and the complexity of different plans can sometimes create confusion when you are looking for coverage.

Multiplan PPO Insurance combines some of the benefits of other types of insurance while introducing some unique advantages that could work perfectly for your needs. It’s time to learn about how Multiplan works and why it might be the best choice for you.

Multiplan is the Oldest PPO Network in the United States

Multiplan offers insurance through a large network of providers, and it’s actually one of the oldest PPO options in the United States. Multiplan was first founded in 1980, and its long history means that there is an extensive network of healthcare providers that fall under the Multiplan coverage umbrella. According to the most recent data from Multiplan, there are 4,500 hospitals and 550,000 individual practitioners within the network.

Why Would You Buy Multiplan PPO Insurance coverage?

There are many benefits to having a Multiplan policy. With such a large network of healthcare providers, Multiplan combines some of the best insurance options that you will find in the country. It will provide options should you ever need care outside of your network, making it a popular choice for people who regularly travel around the United States for work or family commitments. Price is a major benefit, as purchasing Multiplan will mean much lower costs when compared to purchasing directly from insurance providers within the network.

Even within a healthy economy, it is important to choose essential services that are affordable. The potential cost savings of choosing Multiplan PPO Insurance coverage could have a significant positive impact on your budget.

What is the ‘PPO’ in Multiplan PPO Insurance?

PPO InsuranceIf you’re purchasing private insurance for the first time, then you may not know what PPO insurance is. You will find this acronym used regularly in the insurance industry, so it’s important to understand exactly what it means.

PPO refers to a Preferred Provider Organization. With a PPO insurance plan, you will qualify for coverage when receiving medical services from within the preferred network. You can think of it in the same context as an HMO, but with far better flexibility.

With an HMO, you don’t have any real freedom or flexibility when you need to visit a primary care physician. Coverage will only be offered for physicians within the HMO network, and these networks are typically quite small. Not only does this mean you are limited in terms of choosing a preferred physician, but it can also severely limit your options if you are traveling out of town. HMO plans also require primary care referrals before you can get special treatment. This can be inconvenient and time-consuming, particularly when considering some basic and routine procedures.

A PPO plan is completely different. Unlike an HMO, you won’t have a primary care physician assigned. You will always be able to choose from the physicians that are within the Multiplan PPO Insurance network. As mentioned earlier, there are 4,500 hospitals and medical centers, along with 550,000 individual medical practitioners under the Multiplan umbrella. Your options will be vast, and it doesn’t matter where you travel. Wherever you are in the United States, you will enjoy the freedom and flexibility that is offered by Multiplan PPO Insurance.

Perhaps most importantly, you won’t need to wait for referrals when you want a specialist consultation.

PPO vs. HMO in Terms of Cost

It should be made clear that while Multiplan PPO Insurance is more affordable than going directly to individual providers, it is still costlier than choosing an HMO plan. You will need to decide whether the advantages are compatible with your unique situation.

To recap what these are;

  • A PPO has a wider network of healthcare providers than an HMO.
  • You are not required to get treatment from a primary care physician. You can choose to visit any physician within the Multiplan umbrella.
  • You won’t need referrals to get specialist consultations and treatment.

If these are all benefits that work for you, then you can talk to us about Multiplan PPO Insurance today. Our licensed insurance agents can provide the best advice and may have other suggestions based on your needs and your budget.

Don’t Run the Risk of Having Less Insurance Coverage Than You Need

Health insurance is essential in the United States. Whether you need personal insurance or coverage for your entire family, you need to make sure that you get a suitable amount of coverage so that you have treatment options available.

Choosing the right insurance is all about considering your needs. If you don’t travel often and aren’t bothered by having limitations on the providers you can choose, then it’s possible that an HMO plan would be all that you need.

If you require more flexibility, if you are often on the road, or if you simply don’t want the limitation of always dealing with a primary care physician before any procedure or consultation, then Multiplan PPO Insurance will make much more sense for you.

Weigh up the cost of insurance, consider your medical history, and think about your future. You should also keep in mind that even when buying health insurance, you won’t be stuck with the same policy forever. An affordable Multiplan PPO Insurance package today could easily be changed at the end of the next insurance year.

If you are looking for the best insurance options, then Mutual Health Partners is the ideal place to start. Learn about different policy types, get advice, and compare the policies that suit your needs and budget. Contact us today if you’re ready to take the next step for your insurance coverage in 2019 and beyond.

 

Individual Health Insurance for 2019

Whether you live alone, in a roommate situation, or even if you are an adult living with family, you will be responsible for your own medical care. Individual health insurance is one of the most important things that you will buy every year. It ensures that you have coverage for the unexpected, and it also prevents you from falling on the wrong side of the law.

If you haven’t yet started comparing your health insurance options for 2019 then now is the time to start. Enrolment period is coming up soon, and there will be some very real consequences if you don’t arrange your health insurance before December 15th this year.

When is the Enrolment Period for Individual Health Insurance?

The enrolment period has changed for 2019. For most people, the new dates will be more flexible. Enrolments begin on November 1st and continue up until December 15th. Your coverage will run from January 1st, 2019, up until January 1st, 2020.

Although you can’t yet purchase your insurance for the next calendar year, you can start to research the options that are available. Mutual Health Partners can help you to find the perfect individual health insurance plan for your needs, no matter what your budget is.

The earlier you start comparing the plans that are available, the better prepared you will be for enrolment season and the year ahead.

Are Individual Health Insurance Plans Different to Other Plans?

Individual Health InsurancePurchasing insurance for yourself is not fundamentally different from purchasing for a couple or even for a whole family. Of course, you will have benefits like less expensive insurance, and there will be some differences in how you choose the insurance.

As an individual, you are probably more flexible than a family or a couple, which means that you could save money by choosing insurance that most families wouldn’t.

  • An HMO individual insurance plan could be ideal if you are single, you don’t travel a lot, and you are in good health and don’t have any existing medical conditions. With an HMO you will always need to have your treatment from within the network. As an individual, this would likely be less inconvenient than it would be for a family.
  • An Exclusive Provider Organization or EPO plan is another good option for individual health insurance. Like an HMO, your coverage will be limited to the inside of a specific network. The benefit is that premiums will usually be much cheaper than other plans, such as a PPO. Again, an EPO is not overly flexible, but if you are in good health then this might not be a problem.

When you purchase individual health insurance you will get access to the same providers and plans that families use, with the bonus being that your insurance will be much more affordable. With new rules introduced by President Trump, you may even find that your 2019 individual health insurance is even more affordable than the previous year, depending on the plan that you choose.

What to Look for When You Choose a Health Insurance Policy

At Mutual Health Partners we can provide you with access to several policies that are suited to your needs. This will allow you to compare different options from different insurers, with different types of coverage.

To make the right decision you will need to know what all the individual components of insurance are. There are also some simple tips that you can use to help distinguish between different policies, particularly when comparing between several different insurers.

  • Plans are often marketed under Bronze, Silver, Gold, and Platinum categories. Many of the largest insurers use these designations. Think of these terms as being indicators of the quality of the plan. A Bronze plan would provide the most basic coverage (usually for the lowest cost), whereas a Platinum plan would include comprehensive coverage for higher premiums.
  • Look at more than just the premiums. The total cost of insurance includes the premium as well as any deductibles. It’s important to find a balance between the two. If you generally don’t get sick and haven’t visited a doctor in the last year, then a low premium/high deductible plan would be best for you.
  • If you have a history of numerous medical consultations and procedures required within a calendar year, then you will likely get more value from a high premium/low deductible plan.
  • Remember, a deductible is what you will pay as out of pocket expense whenever you receive medical care.

You’ll also need to remember the different types of insurance and what they are. At Mutual Health Partners we have covered the different plans extensively, and we recommend that you read all our resources so that you are fully up to date with all insurance terms. As a quick refresher for your individual health insurance, most plans will fall under the following categories:

  • HMO – A Health Maintenance Plan gives you coverage under one provider network and all care must go through a Primary Care Physician.
  • PPO – A Preferred Provider Organization plan will give you coverage through a network of preferred providers, while also offering some coverage for consultations and care provided outside of the network. The biggest savings (lower deductibles) come when you get care inside the network.
  • EPO – An Exclusive Provider Organization plan is like an HMO. Insurance is only covered within the exclusive network.
  • POS – A Point of Service plan is another type of plan where insurance is only provided for within the network, and all care must be approved through a primary physician.

Discover the Best Individual Health Insurance Plans Today

With Mutual Health Partners, you will have the easiest way to compare the plans that are available today. Get access to the most affordable health plans with the most comprehensive terms. Whatever you are looking for in an individual health insurance plan, we can help you to get the right one.

Contact us today to begin the consultation process and prepare yourself for 2019.

 

Family Health Insurance – Making Sense of 2019 Health Insurance Options

Choosing the right 2019 health insurance plan is one of the most important things that you will do this year. Your health insurance will determine the type of medical care that is available to you, where your doctor will be, and how much you will pay for services. If you choose the wrong insurance plan, then you could find that your options are severely limited. Get the right plan, and you’ll enjoy complete family health insurance with absolute peace of mind.

One of the hardest things about comparing the different types of insurance is making sense of the options. PPO, HMO, EPO… what do all the acronyms mean?

At Mutual Health Partners it is our mission to help you find the family health insurance that is perfect for your needs. This means that you need to have all the best information so that you can make an informed decision on the plan you choose.

In the following sections, we will define the various health insurance categories while giving some essential insight so that you can have a clearer idea of which one might be right for you.

HMO For Family Health Insurance

An HMO (Health Maintenance Organization) plan will likely be the most affordable plan you can find for 2019. HMOs are more affordable because they provide care only within a designated network. You will need to choose a primary care provider (PCP) from within the network, and all your general consultations and referrals will be made through this physician.

There are several advantages to choosing an HMO, with the low cost being the most important one for most people. Both deductibles and premiums will be affordable for most families, even those on lower incomes. Billing is also very user-friendly as HMOs don’t typically have complex billing structures for different medical procedures.

HMOs are not ideal in terms of flexibility, so you’ll need to be sure that you find a policy that covers all your needs. If you need to receive medical care outside of the network then you won’t receive coverage, so ultimately you will need to choose between convenience and cost. If low cost is the most important factor for you, then an HMO could be perfect for your 2019 family health insurance.

PPO Plans for 2019 Family Health Insurance

If an HMO sounds too inflexible for your needs, then you may want to consider a PPO (Preferred Provider Organization) instead. PPOs provide some of the benefits of other types of plans while offering better flexibility. You can receive services from inside or outside of your network and still receive insurance coverage.

PPOs are popular because they allow for families to choose the right service provider based on their needs, rather than the limitations of their health insurance plan. Keep in mind that savings will always be the highest when choosing services from within the preferred provider network. Services availed outside of the network will incur higher deductibles.

EPO Health Insurance for Your Family

Family Health InsuranceAn EPO (Exclusive Provider Organization) plan is just as the name implies. All your services will be provided only through an exclusive network of healthcare providers. If you need to receive care from outside of the network, then the costs will be completely out of pocket. However, these plans can often have relatively low monthly premiums.

The choice of an EPO is somewhat similar to choosing an HMO. The difference is that with an EPO you will have some more flexibility as you won’t have to pass everything through a primary care provider. If you or anyone else in your family travels often, then this type of plan could be limiting. Any emergency care needed outside of the network will be costly.

An EPO makes a lot of sense for some families, but in other cases, it can actually turn out to be more expensive than other plans. If you are confident that you won’t need any medical services outside of your network, then this could be the best plan to go for. If you would prefer to have some more flexibility and peace of mind, then you could consider a PPO or a fully flexible plan such as a POS.

POS Healthcare to Protect Your Family

The last option we will look at is POS (Point of Sale). This is something of a hybrid plan, combining some of the best benefits from all the different types. Like an HMO, you will need to select a primary care provider who will authorize all your referrals. The difference to an HMO is the fact that you can get specialist consultations and procedures from inside or outside of the network.

Out of network costs are higher than those inside the network, except in one specific scenario. If your primary care provider refers you to a specialist that is outside of the network, then the whole cost will be covered by your plan.

POS offers some reasonable compromises to provide better all-around flexibility. This could be the perfect choice for your family health insurance in 2019.

The Enrolment Period for Family Health Insurance is Coming Up Fast

Enrolment for 2019 family health insurance starts on November 1st, and you will have until December 15th to sign up for a plan. Remember that if you are without insurance, you will receive a significant penalty. The cost of not being insured is simply not worth it.

Now that you understand the different types of insurance plan, it’s time to start comparing your options from the most trusted insurance providers in America.

Ensure that your family has the best protection available for your budget. Mutual Health Partners helps you to compare the very best family insurance plans available for 2019. Get started today and have complete peace of mind knowing that you are prepared for enrolment.

 

Frequently Asked Questions for Texas Health Insurance in 2019

A new year is approaching, and that means that it’s time to start considering your healthcare options. In 2019 there will be some changes to the way that health insurance is offered in the United States, most specifically relating to the Affordable Care Act and penalties for not holding an insurance policy. There are also aspects of the system that have not changed at all, and you will need to know about these if you are to choose the right healthcare plan.

If you are looking ahead to the November enrollment period, but still have some questions about Texas health insurance in 2019, then this is the guide for you.

When is the Health Insurance Open Enrolment Period for 2019?

The enrolment period for Texas health insurance has changed. For the 2018/19 period, you could buy insurance as early as November 1st, and up until December the 15th. This allows for more time in the consultation period and could help people to make better decisions about their insurance.

Keep in mind that you can start comparing your options even before the open enrolment period. With Mutual Health Partners, you could start talking to a licensed insurance professional at your convenience, allowing you to make the most informed decision when November comes.

How Much of the Affordable Care Act Remains in Place?

Despite some of the headlines you may have seen in the last year, the Affordable Care Act is still well and truly in effect. President Trump made some changes to the insurance rules, but these did not completely overturn the ACA.

As with recent years, there is a limited open enrolment period to purchase your Texas health insurance on the private market. The rules around minimum essential insurance are also still in effect, although there will be some slight changes in the policies that are offered by insurers. People on the lowest income may be able to find better basic insurance coverage than in previous years.

The Individual mandate was the most significant part of the act to be repealed, although this was done indirectly, through a change to tax law.

Is There Still a Tax Penalty for Being Uninsured?

In 2019 there will no longer be any penalty for not having health insurance. The individual mandate no longer exists, so the IRS won’t be applying any tax penalties to citizens.

This can create some confusion, particularly when it comes to the need for insurance. It’s easy to assume that since you aren’t required to buy insurance, that it is ok to go without for 2019. This wouldn’t be the wisest decision.

Insurance gives you a financial safety net in medical emergencies. You also get access to essential care that could be costly if you didn’t have insurance. Even if you don’t often get sick, you can get an affordable Texas health insurance plan that will give you real benefits you can use throughout the year, such as health screenings and seasonal vaccinations.

What Care is Guaranteed as Essential Medical Cover?

You will be guaranteed essential benefits when you purchase ACA compliant Texas health insurance for 2019. In Texas, the benefits include maternity care, mental health services, substance use/rehabilitation services, preventative care, and pediatric care (including coverage for both dental and vision in most cases).

These essential benefits create an incentive to purchase a health insurance plan, even if you don’t get sick often. They are particularly important if you have a family and children under the age of 18.

Will Insurers Still Use the “Metal Rating” System?

Texas Health InsuranceMany of the largest insurers use a rating system based on metal. The quality of the plan is linked directly to the value of the particular metal. You will likely be familiar with these from past insurance plans, as well as from different types of insurance, such as home and vehicle insurance.

  • Platinum is the highest rated plan, usually offering 90% coverage of medical costs.
  • Gold is just below, offering up to 80% coverage.
  • Silver plans typically offer up to 70% coverage of medical costs.
  • Bronze plans have the lowest premiums, but they only cover 60% of medical costs.

The higher the coverage, the higher the premiums. If you get sick often or if somebody in your family requires regular care, then a higher premium plan will be better, as you will ultimately save money from the low out of pocket costs. If you are on a budget and in good health, then a Bronze plan could give you emergency and essential coverage for a lower premium.

Will Texas Health Insurance Costs Increase in 2019?

Yes. Health insurance costs could increase by up to 10% due to changes made by the current administration. Texas will be one of the hardest hit states in the country. Cost-sharing subsidies have ended for lower-income families, meaning that more than half a million Texans will no longer get government support for their insurance. Overall, ACA compliant plans could increase by 20.2%.

The increase can be offset by purchasing a low-cost insurance plan.

Will the Popularity of Current Products Change?

Due to the cost increases, many families will change the type of plan that they purchase. PPO insurance has been popular up until this time, due to flexibility and freedom to receive treatments without primary care referrals. With insurance becoming more expensive, HMO plans are likely to become more popular. These plans offer excellent care through closed networks, so there is less freedom when choosing doctors. The tradeoff of convenience for low cost will be accepted by most families and individuals.

Ultimately, the decision will depend on you and your budget.

Get the Best Advice When You Buy Texas Health Insurance for 2019

Texas is in a similar position to most states. Premiums are rising, so families may need to make changes to the insurance products that they buy. The plus side is that those with low medical needs will no longer be limited to ACA compliant policies. Low-cost insurance and catastrophic insurance could now make much more sense.

The only way to make the right decision is to compare the different options that are available. With Mutual Health Partners, you will gain access to the best and most affordable Texas health insurance for your unique needs. Talk to our licensed experts today and take confidence knowing that you are covered for the year ahead.