It is a specific dollar amount that an individual must pay (or “satisfy”) before reimbursement for expenses begins. The higher the deductible, the lower the cost of the health insurance plan.

The co-insurance clause requires you to pay a percentage (or a fixed amount) of your covered medical expenses. The percentage is usually expressed as “80/20″ co-insurance. This means after you have paid the deductible amount (if any) as stated in your policy, you will pay 20% of the medical bills and the insurance company will pay the remaining 80% of the covered medical expenses. When your total expenses reach a dollar amount stated in your policy, the insurance company pays 100% of the covered expenses up to the maximum benefit of your policy.

A health maintenance organization (HMO) is an organization that provides comprehensive health care to a voluntarily enrolled population at a predetermined price. Members pay a fixed fee, directly to the HMO and in return receive health care services as often as needed.

A term used when a particular area of the insured is not covered due to previous history. Some are temporary and some are permanent.

All the services offered by ABC Healthcare Plans are provided at no extra cost to you, the consumer. If you buy a health insurance plan through ABC Healthcare Plans, you’ll pay the regular monthly premium to the health insurance company you chose, but you’ll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount.

Health insurance premiums are filed with and regulated by your state’s Department of Insurance. Whether you buy from ABC Healthcare Plans, your local agent, or directly from the health insurance company or online, you’ll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through ABC Healthcare Plans and rest assured that you’re getting the best available price.

Yes. We believe in providing you with top-quality customer service. Our customer care center is staffed with licensed health insurance agents and knowledgeable representatives, ready to assist you.

Under the Affordable Care Act (ACA), you normally need to apply for your individual or family health coverage during the Open Enrollment Period (OEP). OEP is a period of time in which you can enroll for health insurance without experiencing a life event that qualifies you for a Special Enrollment Period. Most Policy will be effective on the 1st of the following month if submitted by the 15th of the current month.

By combining the localized knowledge of a neighborhood agent with the broad experience and comprehensive understanding of a leading online health insurance source, we are able to offer our customers:

  • Broad Selection. Because we are a health insurance agency and not a health insurance company, we can offer plans from multiple insurance companies in your area. We offer a broad selection of health insurance companies and plans, which will allow you to find the plan that best fits your needs.
  • Fast Processing. ABC Healthcare Plans offers faster way to apply for health insurance because many of the plans offered on our website can be submitted and signed electronically; we can even assist you through the steps of the market place enrollment in 15-20 minutes, eliminating re-entering information or printing. This reduces average processing time significantly.
  • Excellent Customer Care. We believe that you’ll enjoy the best customer experience available. The licensed health insurance agents and knowledgeable representatives that staff our customer care center will help you make the most of your money with professional, unbiased advice. This is why we are the place “Where clients send their friends”

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