Short-term medical insurance is also referred to as term health insurance or temporary health insurance. These plans offer a temporary solution in order to fill in gaps for coverage. These insurance plans are temporary solutions if one is waiting for coverage to begin after starting a job, one is between jobs, waiting for Medicare approval, or one is simply without health insurance. These plans are not intended as a single plan, meaning that one can be penalized by the ACA if a short-term medical plan is one's only form of health insurance.
Individual Health Insurance
Individual health insurance allows one to select and pay for what they need. This type of insurance allows one to safeguard themselves (or their family), as well as those who want access to doctors with negotiable rates. This plan is also structured with the client's understanding that accidents can happen at any time.
Health Savings Account
A health savings account is a tax-advantaged medical savings account that is available to taxpayers in U.S. (if they have enrolled into an HDHP). The funds contributed to the account are not subjected to any federal income tax after deposit. If funds saved are not spent, the HSA funds will roll over and accumulate. These plans are owned by the individual and can be used to pay for qualified medical expenses.
Medicare Supplement Policies
Medicare supplement polices are sold by private companies with the intent to help pay healthcare costs that basic Medicare cannot cover (such as deductibles, coinsurance, copayments, or medical care outside the US).
Winters Insurance Group
Health insurance has become increasingly complex, and expert independent advice is imperative if you are to get the right policy for you and your family.
Winters Insurance Group is an Independent Agency representing various major insurance companies which offer health insurance in Quincy IL.