Your Health Insurance

AFFORDABLE INDIVIDUAL HEALTH INSURANCE PLANS

When you apply for Marketplace coverage, you’ll find out if you qualify for the "premium tax credit" that lowers your premium — the amount you pay each month for your insurance plan.
The amount of your premium tax credit depends on the estimated household income for the year you want coverage that you put on your Marketplace application.
In many cases people qualify for subsidies based on qualifying factors to help with their health care costs. People with incomes between 150% and 400% of the federal poverty level.

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MEDICARE PART A:
DOES IT COVER HOSPITAL INSURANCE?
Medicare Part A is hospital insurance that typically covers skilled nursing care, hospice care, inpatient hospital care, and some limited, at-home healthcare services paid by a deductible as well as coinsurance and copayment

MEDICARE PART B:
DOES IT COVER MEDICAL INSURANCE?
Medicare Part B pertains to MEDICAL coverage such as doctors' visits, outpatient care, medical supplies, and preventive services. Contact Phoenix Health & Life Insurance to learn about all the coverage Medicare offers.

MEDICARE PART C:
MEDICARE ADVANTAGE PLANS & THEIR COVERAGE
Medicare Part C is another name for Medicare Advantage plans that are offered by private insurance companies and are designed to Include Medicare Part A services, Medicare Part B services, and typically Medicare Part D prescription drug Coverage all rolled into one plan. Part C may also provide additional coverage such as Dental, Vision, Hearing, Gym memberships and more.

MEDICARE PART D:
DRUG PRESCRIPTION COVERAGE
Medicare Part D helps those who are enrolled cover the cost of their prescription drugs. This can include many things such as shots or vaccines that are recommended by healthcare professionals.

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Vision coverage will often cover routine eye health expenses such as exams, contact lens fittings, contact lenses, and eyeglass lenses/ frames. Some plans may even provide a discount on LASIK procedures and other corrective surgeries. A vision care plan may cover the cost of these items in total, up to a preset limit, or it may require the policyholder to pay a flat fee or percentage fee.

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Dental coverage can help ensure the health of your teeth and gums and prevent heart disease. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems

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