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Health insurance is complex. At Overton Agency, we strive to find the best plan for you.
The Affordable Care Act (ACA) aims to make health insurance available to more people by lowering costs for families with incomes between 100% and 400% of the federal poverty level (FPL). It also aims to expand the Medicaid program. There are 10 coverage categories in an ACA plan, including doctors’ services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more.
Medicaid covers 1 in 5 Americans, providing affordable health insurance that varies by state while meeting federal coverage requirements. Some mandatory benefits include outpatient hospital services, nurse midwives, transportation to medical care, and lab and x-ray services. It covers eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities.
No matter your age, if you’re faced with a critical illness, this insurance plan will support the cost of your care. It pays a lump sum amount up to $50,000 to cover your out of pocket costs such as deductibles, coinsurance, and more. It covers costs not included in your regular health insurance policy at a low cost. It helps reduce the mental burden and financial stress of continuing to meet your financial obligations while you recover from your critical illness.
Accident insurance covers medical care in case of an accidental injury. More specifically, it covers things like broken limbs, loss of a limb, burns, lacerations, and paralysis. It’s a great option for those 65 and under because it’s incredibly easy to qualify for, typically doesn’t require a deductible, and is very affordable.
These plans cover your necessary dental and vision care costs for things like checkups and necessary surgeries. With dental insurance, you have options for how much coverage you purchase, and will cover at least 50% of the total cost of procedures such as cleanings, fillings, root canals, and implants. Your child can also be covered.
Vision insurance covers routine exams and offers discounts on corrective glasses and contacts. Major treatments, like surgeries, are typically covered by your main health insurance plan, so it’s not included in your vision plan. It will, however, cover corrective surgery, like LASIK, not covered by regular insurance.
Overton Agency works with people of all ages to find great insurance coverage at affordable prices. We offer a free consultation and quotes. Why wait? Call the number on your screen today.
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We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance program (SHIP) to get information on all your options.
Tommy Overton, Arkansas License # 7922255