Are You Covered in 2018?

Did you have an extenuating circumstance or just forget purchase health insurance before the deadline passed this year? You never know what the future holds, and even skipping well visits can be detrimental in some cases but don’t fret it may not be too late. Although open enrollment is officially closed for 2018 health insurance, there is still hope for health insurance coverage in many scenarios.  You can discuss your health insurance options at Bob Korvas Agency Inc., serving Niles, IL and the surrounding areas. 

If you qualify, you may still be able to enroll for government health insurance. Qualifications include certain life experiences that range from moving from or to another state, getting married or divorced, adopting, being released from jail, losing coverage for a variety of reasons, and becoming an American citizen. If you have an extenuating experience you may be able to enroll out side of the deadline. 

If you do not qualify to enroll outside the deadline, you may purchase insurance directly from an insurance company at any point during the year. Coverage typically starts within a month of your first payment and many companies offer great policies at fair prices to keep both your wallet and your health in the positive. 

Also keep in mind that enrollment in Medicaid insurance is possible year round if you qualify for it. 

For more information about your coverage contact us at Bob Korvas Agency Inc. It is not to late for full coverage in 2018, and you can be informed about what to do to make sure you don’t miss next year’s deadline as well. We cover people in and around Niles, IL with great reliable rates and trustworthy policies. 

What are the Different Types of Health Insurance?

Health insurance is something that we should all be thinking about and that we should all have to protect ourselves in the event that we are ill or injured. That being said, there are tons of different types of health insurance to consider and each has benefits and drawbacks that are unique to the type you choose. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can help you find the perfect policy and policy type for your particular needs.

The first type of health insurance you should consider is an individual policy. These can be offered through your work or through a private agency and cover the medical needs of one person, the individual that took out the policy. This type of insurance is generally a few hundred a month and often covers things like preventative care and a portion of treatment care costs.

You may also want to look at individual plus plans, these can be individual plus a spouse or individual plus an entire family. This type of policy is going to cost more than an individual policy and is going to come with a higher deductible. You may have an individual deductible for each person or you may have a family deductible dependent on the type of policy you are taking out. These area gain policies that can be taken out privately or that can be offered through your work.

The last type you may want to consider is a group policy. This is going to be offered through your employer and you get a lower rate based on how many people are insured in the group. You can choose individual or family in this type of policy and can get great coverage. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can help.