Plan Features
Why choose lifeline health?
Nationwide Coverage
Wherever you are in the U.S., rest assured that you’re covered. Our plans are tailored to provide peace of mind, regardless of location.
Tailored for You
Our plans are tailored to match your unique health and financial situation. Whether you are a contractor, a travel nurse, or small business owner, we’ve got you covered.
Variety of Options
We offer private plans with the United Healthcare Choice Plus PPO Network and ACA/Obamacare plans, covering those with significant preexisting conditions, those seeking affordable alternatives, and everyone in between.
$0 Deductibles, $0 Copays
Certain plans provide the advantage of no deductibles and no co-pays, simplifying your healthcare expenses and making the process more streamlined for you.
Innovative Features
Benefit from modern conveniences such as Teledoc services, which provide you with access to healthcare advice whenever you need it, ensuring convenience and timely assistance.
Healthy? Pay Less!
Medically underwritten plans offer lower rates to those who qualify, thanks to healthier demographics and reduced risk factors, providing a cost-effective option for eligible individuals.
How Can I Help You?
What are the Advantages of Using an Advisor?
Time & Effort
Savings
Navigating the health insurance landscape can be time-consuming and overwhelming. I will do the legwork for you, from comparing plans to conducting research so you can focus on what matters most to you.
Coverage
Analysis
I will analyze your health insurance needs, considering your health history, medical needs, and financial situation, to recommend comprehensive coverage that protects you from unforeseen medical expenses.
Claims
Assistance
In the event of a claim, I can assist you through the process, helping to ensure that your claim is handled efficiently and that you receive the benefits you're entitled to. I will act as your advocate, providing support and guidance when you need it most.
Our Happy Clients!
Norma H.
Coming from employer insurance, I had no idea how confusing the insurance world can be. I was overwhelmed with choosing the right plan but thankfully I found Josh! He was so knowledgeable and was able to break it down to help me make sense. I would not have been able to find my plan without him! 10/10
Gabrielle C.
I had the pleasure of working with Josh and the experience was nothing short of exceptional. Josh displayed an unparalleled level of professionalism and expertise, breaking down health insurance into easily understandable terms. I now consider Josh both my friend and my expert in all matters health insurance!
Jon K.
Frequently Asked Questions
What are the biggest differences between ACA/Obamacare, Employer Plans, and Private Insurance?
1. ACA/Obamacare offers comprehensive medical coverage without the possibility of being denied due to pre-existing conditions. It becomes highly affordable when coupled with government subsidies on monthly premiums; however, without this discount, its costs can outweigh those of many other plans on the market.
2. While employer-provided plans are exceptional for individual employees, the addition of family members—such as spouses or children—can significantly increase premiums. This disparity arises because employers often subsidize their employees’ benefits, leaving family members to bear the full cost of inclusion in the plan.
3. Private insurance, being health-dependent, involves an application process where eligibility is determined based on health status. If you are in good health, you can qualify for preferred rates, making private insurance more affordable than many plans while offering superior coverage.
What is the difference between a PPO, HMO, and EPO Network?
Preferred Provider Organization (PPO):
PPO plans offer more flexibility in choosing healthcare providers. You can typically visit any doctor or specialist without needing a referral, whether they are in-network or out-of-network.
In-network providers have negotiated rates with the insurance company, resulting in lower out-of-pocket costs for services. Out-of-network providers may also be covered, but at a higher cost to you.
PPO plans usually do not require you to select a primary care physician (PCP), and you can see specialists without a referral.
Health Maintenance Organization (HMO):
HMO plans typically require you to choose a primary care physician (PCP) from within the network. Your PCP manages your healthcare needs and provides referrals to specialists within the network when necessary.
In most cases, HMO plans do not cover out-of-network care, except in emergencies.
HMO plans often have lower premiums and out-of-pocket costs compared to PPO plans, but they offer less flexibility in choosing healthcare providers.
Exclusive Provider Organization (EPO):
EPO plans are like HMO plans in that they typically do not cover out-of-network care, except in emergencies.
However, EPO plans do not usually require you to select a primary care physician (PCP), and you can see specialists without referrals if they are within the network.
What is your fee?
There is no fee. My services are 100% free, I just want to make sure you are in a great position with your health coverage!