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Traditional Under 65 Health Plans
If you are below age 65 and recently lost insurance coverage, you’re probably looking for a policy to hold you over until you can qualify for Medicare. Fortunately, there are many private insurance options available to people in this age group. Here is what you should look for in traditional insurance options for people below age 65.
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Under 65 Health Plans
If you’ve retired early and don’t have health insurance, you’ll need to find a plan that offers the benefits and services you need. You should be trying to save money without compromising on the quality of coverage. The right health insurance plan will have reasonable out-of-pocket costs and a manageable premium. The type of plan you should choose also depends on your health care habits.
If you are someone who visits different health care providers frequently, a PPO plan may be best for you. Conversely, individuals who are happy seeing a single provider would benefit from the less flexible HMO option. Which plan is best for you varies, so start comparing your options with the help of an agent today.
How To Find Health Insurance Under 65
If you want to find health care coverage, the best place to look is the Health Insurance Marketplace. The Marketplace was introduced in 2012 by the Affordable Care Act. This law was designed to make finding health care easier for low-income families. You can use the Marketplace online, or have a qualified insurance agent search for you. There are options outside of the Federal Marketplace too, so you’ll want help finalizing your decision.
Health Plan Under 65 Benefits
If you choose to get insurance through the health insurance Marketplace, all offered plans must have ten essential benefits as required by federal law. These essential benefits are:
- Ambulatory patient services
- Breastfeeding
- Emergency services
- Family planning
- Hospitalization
- Laboratory services
- Mental health and substance use disorder services
- Pregnancy, maternity, and newborn care
- Prescription medications
- Preventive and wellness services and chronic disease management
- Pediatric services
- Rehabilitative and habilitative service
Some plans may offer additional benefits as well. To see what extra benefits are available, contact an insurance agent from Insured For Life.
Retire Early? Get Insurance Today
It’s time to stop worrying about how you’re going to pay for health care if you retire early. Get the guidance you need from a trained insurance professional. Call Insured For Life today for more information.
