HEALTH INSURANCE

AFFORDABLE CARE ACT PLANS

The Affordable Care Act, also known as "Obamacare", was developed to help individuals access affordable health insurance through a health insurance marketplace where Americans can purchase federally regulated and subsidized health insurance during open enrollment.

In order to qualify, you must sign up during Open Enrollment but could still be eligible if you had a qualifying life event such as changing jobs, getting married/divorced, moving, etc. We’ll help determine if you are eligible and find you the best plan in any case.

Finding the right plan can be difficult. Each plan has its pros and cons, especially considering how costs can greatly range - depending on the plan's deductibles, co-pays, premiums, provider networks, to name a few.

KJ Liberty works with dozens of health insurance carriers and brokers, making it easy for you to compare several health insurance options. To get started, enter your zip code and tell us about yourself. If qualified for an Affordable Care Act health plan, you can work with all of the health carriers listed to compare plans and prices. Once you provide us with the information required on our form, we attempt to match you with appropriate insurance agents, brokers, carriers or other service providers to help you acquire the best health insurance.

STAND ALONE DENTAL

Stand alone dental plans are considered “excepted benefits,” and various statutory and regulatory standards apply differently to them than they do to medical qualified health plans (QHPs).

SADPs are excepted from the insurance market reform provisions of the Public Health Service Act, including the amendments made by the Affordable Care Act.

Exemptions from the Affordable Care Act’s market reform provisions for SADPs include, but are not limited to: medical loss ratio standards; rating standards related to age, family size, rating area, and tobacco; and guaranteed availability and guaranteed renewability standards.

All SADPs certified by a Marketplace must cover pediatric dental essential health benefits (EHB). Depending upon the state’s benchmark plan, these could include:

Dental Check Up
Basic Dental - Child
Major Dental - Child
Medically Necessary Orthodontia - Child

STAND ALONE VISION

Eye health is important, but the benefits of vision care coverage extend well beyond that. Here are four potentially unexpected ways it can benefit both individuals and society as a whole.

If you wear contacts or glasses, you’ve probably experienced how frustrating it is to squint to see everything around you. Vision care helps people avoid this pain point – and many more – by receiving affordable access to ODs at all times.

And frustration isn’t the only hindrance poor eye health can cause. Dry eyes and eye strain – and of course, more serious eye conditions – contribute to headaches, itching, back and neck soreness, and light sensitivity.

It’s easy to see how vision care can benefit all – from an employee avoiding a headache at work, to an SMB boosting its competitiveness and cost efficiency, to leveling the racial and socioeconomic healthcare playing field.

Here at KJ Liberty we pride ourselves on finding the right plan to fit your needs.

704-747-1900

Leonard Insurance Group LLC works with the following companies as an independent broker: Aetna Inc., Anthem Inc., Cigna, Humana Inc., United Healthcare, and Wellcare Health Plans, Inc. Not all plans offer all these benefits. Benefits may vary by carrier and location. Limitations, exclusions, copays, deductibles, and coinsurance may apply. We do not offer every plan available in your area. Currently, we represent 5 carrier organizations which offer 2,352 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.