The health insurance world can feel overwhelming. We cut through the confusion, help you understand your options, and find a plan that fits your life and your budget.
The Affordable Care Act marketplace offers comprehensive health insurance plans with essential health benefits, preventive care, and protections for pre-existing conditions. But with dozens of plans at different metal levels, figuring out which one is right for you can feel like solving a puzzle blindfolded.
That is where we come in. We help you compare Bronze, Silver, Gold, and Platinum plans side by side so you can see exactly what you are getting for your money. We also make sure you are taking advantage of every subsidy and tax credit you qualify for, which can dramatically lower your monthly premium.
The annual Open Enrollment Period typically runs from November 1 through January 15. This is the main window to enroll in or change your ACA marketplace plan. If you miss it, you will generally have to wait until the next enrollment period unless you qualify for a Special Enrollment Period.
Life does not always wait for enrollment season. If you experience a qualifying life event, you may be eligible to enroll in or change your plan outside of Open Enrollment. Common qualifying events include:
You typically have 60 days from the qualifying event to enroll. We can help you act quickly so you do not end up with a gap in coverage.
Even with a solid health insurance plan, out-of-pocket costs can add up fast. A single hospital stay, an unexpected surgery, or a serious diagnosis can leave you facing thousands in deductibles, copays, and coinsurance. Supplemental health plans help fill those gaps.
We offer supplemental coverage options that work alongside your primary plan to provide extra financial protection when you need it most:
These plans are affordable and can make the difference between a medical event being stressful and a medical event being financially devastating.
Sometimes you need coverage to bridge a gap. Maybe you are between jobs, waiting for employer benefits to kick in, or just missed Open Enrollment. Short-term health plans provide temporary medical coverage, usually for 3 to 12 months, so you are not left unprotected during transitions.
Short-term plans tend to have lower premiums than ACA marketplace plans, but they work differently. They may not cover pre-existing conditions, and they do not include all the essential health benefits required by the ACA. That said, for healthy individuals who need temporary protection, they can be a smart and affordable option.
We will walk you through the tradeoffs honestly so you know exactly what you are getting and what you are not. No surprises, no fine print gotchas.
If you are 65 or older, or approaching 65, you already know that Original Medicare does not cover everything. Part A and Part B still leave you responsible for deductibles, copayments, coinsurance, and some services that are not covered at all. That is where Medicare Supplement plans, also called Medigap, come in.
Medigap plans are standardized by the federal government, which means Plan G from one company covers the same things as Plan G from another. But the premiums can vary significantly between carriers. We shop across multiple insurance companies to find you the same coverage at a better price.
We also help with:
Health insurance is not one-size-fits-all. Your age, your health, your family size, your budget, the doctors you want to see, and the medications you take all play a role in which plan makes sense for you. Picking the wrong plan can mean paying too much for coverage you do not need, or worse, not having coverage when you need it most.
At Genesis Life Group, we sit down with you and take the time to understand your situation. We compare plans across multiple carriers, explain the differences in plain English, and help you make a confident decision. There is no cost to you for our help, and we never pressure you into anything.
Whether you are shopping for the first time, re-evaluating your current plan, or navigating a life change that affects your coverage, we are here to make it simple.