My Health Care America

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SHORT-TERM PLANS

This is considered a temporary insurance allowing you to maintain health care coverage:

  • If you are laid off
  • If you change jobs (there’s often a delay in receiving health insurance from a new employer
  • Waiting for Medicare coverage to begin
  • If you missed Open Enrollment in the current year
  • If you don’t currently have insurance.
  • You are waiting for Affordable Care Act (ACA) or Obamacare to process you
  • You have turned 26 and can no longer be on your parent’s insurance
  • You turn 26 and are getting rid of your parent’s insurance
  • If you are under age 65 and healthy

This “term” health insurance can cover you and your family, after answering a few questions, within 24 hours. Do keep in mind that this coverage mostly covers major medical issues and does not provide any preventive or annual visits. It also does not cover any pre-existing conditions (anything you were treated for, or diagnosed with, in the past two to five years).

There are many different health care carriers that offer this coverage; let us help you find the best one for you!

How do I get started?

What makes My Healthcare America special?

Our goal is to find you the best, and least expensive, personalized insurance coverage. We help you compare plans so that you don’t aren’t stuck with high deductibles, co-pays, or other out-of-pocket costs.

What do you charge for these services?

Not one dime. We are a completely free platform to assist you in finding the health insurance program that’s best for you.

All the different plans look confusing. Can you help me find what I need?

Absolutely! We have licensed professional who can help you navigate your options, so you can rest easy that you’re making the best decision for you.

I already have a plan. Why should I consult My Health Care America?

Insurance carriers change their plans every year; a plan that’s been working for you may not be your best choice this year. We provide you and easy way to compare “apples to apples.”

What do I have to do to get started?

All you have to do is , click here. We ask you a few questions so that we can search for the best coverage for you.

Click here to save!

Knowledgeable, licensed representatives are on stand-by to help you make informed decisions. Health care coverage is imperative, whatever your income status. Our licensed insurance agents will help you find the most affordable plan for you.

Knowledgeable, licensed representatives are on stand-by to help you make informed decisions. Health care coverage is imperative, whatever your income status. Our licensed insurance agents will help you find the most affordable plan for you.

Affordable Plans

Our licensed agents are ready to give you a free quote today and you’ll save money tomorrow!

If You Have Questions, We Have Answers!

Our highly trained insurance representatives can assist you every step of the way, from enrollment until you receive confirmation you’ve completed every step correctly.

Comparing Your Choices

We simplify the often-confusing choices promoted by insurance companies. By doing this, we can save you a lot of money!

Preferred Provider Organization (PPO) Plans

This flexible plan lets you use doctors, hospitals, and specialists outside of your network for an additional fee. With this plan, you don’t have to get a referral from your primary doctor to see a specialist. This allows you to be seen faster without any hassles.

Short Term Plans

Short term or “temporary” plans allow you to continue health care coverage in the event of a job loss, etc. These plans can be very expensive and only last between 30 days and 12 months, covering mainly medical emergencies. Your pre-existing conditions are considered when applying for this, however, you can usually get coverage within 24 hours.

Health Maintenance Organization (HMO) Plans

These plans are the most prevalent types of healthcare coverage. They usually consist of a large network of health care providers and specialists. You will be asked to pick a primary care physician (PCP) who oversees your care that you must receive a referral from to see any sort of specialists. HMOs often are limited to a service area, so you this prevents you from coverage from specialists in other cities. These plans focus on prevention and wellness, covering things like mammograms and yearly check-ups.

Health Savings Accounts

Also known as HSAs, these plans work as a sort of savings account that allows you to put away pre-tax money for qualified medical expenses. The funds are not usually applicable to monthly premiums. However, you may lower your overall costs by using untaxed monies to pay for things like copayments, coinsurance, deductibles, etc.