in Ludlow, Massachusetts
Shopping for insurance can easily become confusing and overwhelming, there are many different types of policies to choose from and it can be difficult to compare apples to apples. But buying health insurance doesn't have to be difficult. American Health Insurance can quickly connect you with the most comprehensive and affordable plans available in your area.
Agents are standing by to answer your questions and make sure you understand all the options available to you. Call today to compare policies and choose a healthcare plan that meets your needs. We work with top insurance carriers so that we can connect you with the right amount of coverage at the right price.
The Easy Way to Shop for
Stop researching insurance policies online. We'll help you easily find a plan that fits your needs and your budget.
Based on your age and current state of health, we can help you determine exactly how much coverage you need.
Comparing healthcare costs can be confusing. We make it simple so you won't get stuck with unexpected bills.
We work with local insurance agents to help you compare options and be sure you're making an informed decision.
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Top 10 Health Insurance Plans
American Health Insurance connects residents of Ludlow, Massachusetts to the best Health Insurance plans available at the best prices. We help people searching for health insurance identify their coverage needs as well as their budget and compare top carriers to find the right policy for them.
When it comes to health insurance, coverage can vary significantly from one plan to the next. Services covered can vary and how you share costs with your insurer can vary as well. Comparing plans and deciding on a policy can quickly become confusing and overwhelming.
Agents are standing by to answer your questions and quickly provide you a quote. Call us today to make sure you don’t overpay for the comprehensive coverage you need.
How to Compare Plans
Regardless of your age or health status, insurance is a necessity in the life of most Americans. Unexpected health incidents can crop up at any time. Having health insurance means you can be proactive and receive annual preventative wellness checks to make sure you remain in good health.
It also means that if you have a serious emergency and need to go to the hospital, you will save thousands in out of pocket expenses. With the abundance of insurance options available in Ludlow, Massachusetts, it is easy to feel overwhelmed by your choices. It’s important to make sure you have all the information you need to choose the right plan.
American Health Insurance makes it easy to find an affordable plan that meets all your needs. Agents are standing by to help you compare options and get a free quote.
Choosing a Health Insurance Policy
That Fits Your Needs
When comparing Ludlow, Massachusetts health insurance plans, you will need to strike the perfect balance between the amount of coverage you receive and what you can afford to spend. While it is helpful to purchase a plan that would cover any unforeseen issues, sometimes that is not always financially feasible.
However, if you know that you have specific health concerns, choosing a plan that covers the specialists you need to see will save you money in the long run.
HMO vs PPO Health Insurance Policies
Often customers have questions regarding the difference between HMO and PPO plans. The short answer is simple: one plan has broader coverage and more flexibility regarding the doctors you will be able to see while the other has stricter coverage restrictions.
HMO is short for Health Maintenance Organization. This type of plan will only cover visits to Ludlow, Massachusetts doctors that are in network. The benefit of this kind of plan is that they are generally less expensive than a PPO plan. This means that you will pay lower monthly premiums and still receive the care and coverage you need. The downside to an HMO plan, however, is that you are restricted to doctors that are in network with the plan you select. If you are referred to a doctor that is out-of-network, you’ll either need to pay out of pocket, or find a different provider.
A Preferred Provider Organization plan, also known as a PPO, provides patients with more flexibility to see a larger number of doctors both in-network and out-of-network. This type of coverage is helpful if you have an unplanned health event. The downside of PPO plans is that you will pay higher monthly premiums.
Health Insurance Plans
for Individuals in Ludlow
Individual health insurance plans are policies for people who do not have insurance benefits through their job. Individual health insurance policies are regulated by Massachusetts state law. If you don't have health insurance through your job, American Health Insurance will connect you with top insurance providers who will help you purchase an individual health insurance plan.
Every day we help people in Ludlow, Massachusetts shop for plans that provides the right amount of coverage at the right price. We’re available to answer all your questions and help you understand your options. To learn what plans are available in Ludlow, Massachusetts we only need to ask a few questions to get started.
Ludlow, Massachusetts residents can purchase an individual health insurance plan in several different ways. If your employer does not provide health insurance, you can sign up on the health insurance marketplace during open enrollment from November 1 to December 15th. Outside of the open enrollment period, you may still be able to buy a marketplace policy if you qualify for a special enrollment period. Special enrollment requires that you either have a life-changing circumstance or have moved.
When deciding on a health insurance policy in Ludlow, plans will vary in the services they cover and how you pay for those services. Individual health insurance policies will require you to pay a monthly premium. You may also be required to pay a fee called a copayment or coinsurance at the time when you receive medical care. Typically, the more you pay monthly, the lower your payments at the time of service, and vice versa.
Having health insurance gives you peace of mind in knowing that next time you are sick you won’t be charged an excessive amount of money. Above all, having health insurance allows you to maintain good health and wellness by receiving preventative care in Ludlow, Massachusetts. Not having health insurance puts people at greater risk for life-threatening issues.
Group Health Plans
in Ludlow, Massachusetts
Ludlow, Massachusetts businesses in need of health insurance for their employees are able to choose plans that are more cost-effective.
Because these plans cover a group of individuals, the insurance companies are willing to offer them at a discount. Employee monthly premiums are typically lower than they are for individuals, and employers pay lower payroll tax and can deduct their annual health insurance contributions when calculating their income taxes.
American Health Insurance helps businesses find group health plans that are uniquely designed to avoid costing companies an arm and a leg while still providing quality medical coverage to their employees.
What is a
Health Savings Account
A health savings account is used in unison with a health insurance plan. It is a specific account that you contribute to and use to pay for qualified healthcare expenses tax-free.
Benefits of Health Savings Accounts include:
- Lower Premiums- plans that come with an HSA tend to cost less than other plans
- Tax Exemptions- Qualifying medical expenses paid for from your Health Savings Account are not taxed
- Tax Breaks- Within legal limits, deposits made into your HSA are tax-deductible
- Funds Roll Over - If you don't use the money in your HSA, it accumulates in the account year after year
- Save for Retirement- money saved in your HSA is tax-deferred and can grow over the years
- Manage healthcare expenses- if you have a high deductible, a Health Savings Account can help you save money by covering health care expenses before you meet your annual deductible.
When to Buy
Short Term Health Insurance
Short term health insurance is a viable option for people who need coverage right away but are outside of the typical enrollment period and do not qualify under the special enrollment exception.
For example, if you are 26 years old and you are coming off of your parent’s health plan or if you are looking to bridge the gap between leaving an old job and starting a new job, a short-term health insurance plan is the ideal solution. In most cases, you can choose the length of your coverage which can last anywhere from one month to one year.
What is a
Primary Care Provider
A primary care physician, also known as a primary care provider, is a doctor who looks after your overall health. Are you feeling sick? Call your primary care provider. Need to go to the emergency room? They will ask for your primary care physician. Your PCP is also the doctor you see for your annual wellness exam. They will have documentation on your entire medical history.
Your primary Care Physician will examine your health and wellbeing, checking for possible infections and diseases that may affect you at some point in your life. It is important to consult with your primary care provider at least once a year to prevent disease and maintain optimum wellness.
Your health insurance company will require you to list a primary care provider in Ludlow, Massachusetts. If you don’t already have one, you have several options for obtaining a primary care doctor. Your health insurance company can simply assign a Ludlow PCP to you based on your location. You can also call your health insurance company and ask them which physicians are nearby and in-network and then research doctors to find one that you like.
Some plans will require you to select an in-network provider, other plans will allow you to choose a doctor that is out of network, but you may have additional charges when you receive health care treatment. Because in-network providers have a contract with your insurance company, they are required to provide certain services at a discounted rate.
If you already have a Ludlow, Massachusetts primary and you don't want to change, you can contact your doctor and find out if he or she is in or out of network. If you are brand new to getting health insurance and have never had a primary care physician, you will need to find one.
American Health Insurance can connect you with a local agent to help you find the right plan and make it easy to select your primary care provider.
Open enrollment refers to the annual period of time during which you can purchase health insurance on the healthcare exchange. This was established in 2010 as part of the Affordable Care Act. Open enrollment runs from mid-October to early December for coverage that will begin on January 1.
Choosing the right health insurance plan for the following year is an important decision. American Health Insurance can connect you with local insurance agents in Ludlow, Massachusetts, ready to answer your questions and help you decide between the various levels of coverage and cost structures available. Agents are standing by ready to answer your questions and help you decide. They will help people just like you to understand how health insurance works and the various levels of coverage and cost structures available.
Special Enrollment Periods
If you find yourself needing health insurance outside the open enrollment period, you may be eligible for a Special Enrollment Period. Specific life events can qualify you for a Special Enrollment Period.
You may qualify if you or anyone in your household in the past 60 days has:
- Gotten Married
- Had a baby, adopted a child or begun fostering a child
- Gotten divorced or legally separated
A change in residence can also be a qualifying life change if you are:
- Moving to a new home in a new zip code or county
- Moving to the US from another country or territory
- A student moving to or from the place where you attend school
- A Seasonal Worker moving to or from the place you live and work
- Moving to or from a shelter or transitional housing
You may also qualify for a special enrollment period if you or anyone in your household has lost qualifying health coverage in the past 60 days or will lose coverage in the next 60 days.
Coverage losses that can qualify you for a special enrollment period include:
- Losing employer-provided coverage
- Losing individual coverage from a plan you purchased yourself
- Losing eligibility for CHIP or Medicaid
- Losing Medicare eligibility
- Losing health insurance coverage through a family member
American Health Insurance can connect you with top insurance providers who will help you navigate the process of determining eligibility for special enrollment periods in Ludlow, Massachusetts.
Other qualifying life changes include:
- Gaining membership into a federally recognized tribe
- Becoming a US citizen and therefore eligible for Marketplace coverage
- Being released from incarceration
- Beginning or ending service as an AmeriCorps, VISTA, or NCCC member
ACA (Obamacare) Plans
The Affordable Care Act, also known as Obamacare, was established in April 2010. This law was designed to make Health Insurance coverage fairer and easier to understand. American Health Insurance helps Ludlow, Massachusetts residents understand and navigate Obamacare plans every day.
The healthcare law protects Americans in all of the following ways:
- It requires insurance companies to provide coverage to people with pre-existing conditions
- It requires plans to provide free preventative care
- It gives young adults more coverage options
- It helps consumers understand the coverage they are getting
- It ends lifetime and yearly dollar limits on coverage for essential health benefits
- It holds insurance companies accountable for rate increases
- It makes it illegal for insurance companies to cancel your health insurance just because you get sick
- It protects your choice of doctors
- Protects you from employer retaliation
- Gives consumers the right to choose an individual Marketplace plan rather than the one their employer offers them
- Gives consumers the right to appeal a health plan decision
The law also requires that ACA compliant plans provide coverage for the following services:
- Breastfeeding equipment and support
- Birth control methods and counselling
- Mental health and substance abuse services
The Health Insurance Marketplace is a website designed for insurance plans offered by the Affordable Care Act for individuals, families and small businesses.
Plans listed on the Marketplace website, healthcare.gov, are organized into what are known as the four "metal" tiers:
These categories don't describe the quality of care, but rather show consumers how they and their plan will share the cost of healthcare.
Generally, categories with higher monthly premiums (Gold and Platinum) will pay more of your healthcare costs. Categories with lower monthly premiums (Bronze and Silver) pay less of your costs when you receive care. Deciding between the metal tiers is often based on how much a person feels they will be using their health insurance throughout the year.
Under the Affordable Care Act, many Americans will qualify for a health insurance subsidy called a Cost Sharing Reduction (CSR). To determine if you are eligible for cost sharing reduction, American Health Insurance only needs to collect a small amount of information including the number of people in your household, what state you live in, and your estimated household income for the year.
Choosing a Health Insurance plan can be complicated. American Health Insurance can connect you to local agents to compare plans and prices for insurance in Ludlow, Massachusetts.
Off-Exchange Health Plans
There are many reasons why people in Ludlow, Massachusetts look for health insurance off the Healthcare Exchange:
- Have you missed the deadline for open enrollment in the health insurance marketplace?
- Are you ineligible for special enrollment?
- Do you not qualify for a subsidy and the cost of an ACA plan is too expensive?
Off-exchange policies are also known as non-ACA compliant plans. They do not follow the regulations set out by the Affordable Care Act. However, for many people these plans offer a good alternative. Especially for people who are healthy and don’t qualify for a subsidy, these plans can be much more affordable than those found on the Health Insurance Exchange.
Often with these plans, if you develop any health issues, you won’t be able to renew the plan for the following year. If this happens, you simply enroll in an ACA plan during open enrollment. Your ACA plan is required by law to cover you even if you have a pre-existing condition and will pick up on Jan 1 after your non-ACA plan expires.
These plans are cheaper because they don’t have to satisfy all the legal requirements of the Affordable Care Act. They typically provide less comprehensive benefits, for example maternity and prescription drug services are often not included. They also often have financial limits on their total amount of coverage and they can turn you away if you have a preexisting condition. Even though these plans often carry less coverage, they can save you as much as 75% on monthly premium. Many people like this option because they feel they can save money and if the need arises to have more coverage they are able to go back to an ACA plan once this plan expires. Non-ACA compliant plans have grown in popularity ever since congress eliminated the penalty for not carrying health insurance, as these plans are not considered coverage under the Affordable Care Act.
Call to be connected to a local agent who can provide you with a range of affordable and comprehensive health insurance options in Ludlow, Massachusetts. Having great health insurance provides a feeling of safety and security, you should feel comfortable with your policy and your payments.
Find Coverage for Your Whole Family
in Ludlow, Massachusetts
If you're looking for coverage for your family in Ludlow, Massachusetts, get help comparing options to suit the needs of everyone in your household.
As you shop for a plan for your family, you will want a plan that provides the options to see a variety of different doctors and specialists. If you have, or plan to have, children you will want to make sure that you have a plan that covers every aspect of pregnancy as well as pediatric care. As you grow older your health insurance needs tend to increase.
If you are struggling with health issues now that could potentially get worse in the coming years, you want to double-check and see what Ludlow specialists are covered by your plan.
Protect your family's health.