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Agent By PhoneMonday-Friday: 9:00 am - 5:00 pm
HoursMonday: 9:00 am – 5:00 pmTuesday: 9:00 am – 5:00 pmWednesday: 9:00 am – 5:00 pmThursday: 9:00 am – 5:00 pmFriday: 9:00 am – 5:00 pmSaturday: ClosedSunday: Closed
Frequently asked questions.
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The Affordable Care Act (ACA), also called Obamacare or Bidencare, was put in place to help make health insurance easier for people to get. Marketplace or ACA plans are sold on the health care Marketplace, or Exchange. They focus on preventive care, cover pre-existing conditions, and provide benefits for things like doctor visits, prescriptions and lab tests. If you're looking for Marketplace coverage, you usually need to enroll during the established enrollment period. Check into UnitedHealthcare Individual & Family ACA Marketplace plans to find a variety of affordable, quality coverage options.
A short term insurance plan is a good fit if you need to bridge a gap for a short time when you’re uninsured. Short-term plans give you limited coverage for a limited time until you can move to a more permanent plan.Maybe you’re a recent college grad, in between jobs, or an early retiree. In some cases, you may choose a short-term plan to cover your children if you’re not able to get a family plan right away. Unlike ACA plans, short term plans don't cover preexisting conditions, and you must answer a series of medical questions to apply.
These are common acronyms for different types of plans. Let’s go over what they mean.• HMO stands for health maintenance organization. This is named for the overall goal of this kind of plan — which is to help maintain your health.• PPO stands for preferred provider organization. The name refers to its network of contracted PPO providers. With this type of plan, there are preferred providers who can offer care at the lowest out-of-pocket cost (compared to out-of-network providers).• EPO stands for exclusive provider organization. This refers to the rule of this type of plan that requires members to get care within the plan’s network of select providers. If you get care outside the EPO network, you’ll likely have to pay the full cost of that visit.• POS stands for a point-of-service plan. With this type of plan, each time you need health care (the time or “point” of service), you can decide to choose network care and allow your primary care physician to manage your care, or you can decide to go outside of the network and seek care from a doctor of your choosing.• HDHP stands for high deductible health plan. It’s a type of health insurance plan that offers lower premiums in exchange for higher out-of-pocket costs. With HDHPs, you’ll pay less each month, but more when you get care compared to other health plans.
A network can be made up of doctors, hospitals and other health care providers and facilities that have agreed to offer negotiated rates for services to insureds of certain medical insurance plans.
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