Health Insurance - Olympic Insurance Underwriters Inc

Health Insurance Plans

Health insurance plans that fit you and your family

When you’re looking for health insurance, it’s a good idea to take a look at all the angles. You want coverage that works with your lifestyle, helps you get the best care possible and fits with your financial picture. That’s where Olympic Insurance Underwriters comes in. With a wide range of plans and an incredibly diverse network of doctors, clinics and hospitals across the nation, you’ll have access to many options with Olympic Insurance. No matter where life takes you, our plans are designed to deliver high quality care and affordable prices.

What Are My Health Insurance Options

If you're looking for individual health insurance or family health insurance, you probably have some ideas what you need, but not really what's available. You can try searching for cheap health insurance, affordable health insurance, reliable health coverage, even the best health insurance for the money. However, the health plans you find through these general searches might not always apply to you. Before you sort through those searches, this quick guide to individual health insurance plans can help you understand what you might find.

Need coverage now - Short term health insurance

If you lost coverage or are coming off some other insurance, short term medical insurance might work as the right health plan for you while you find more permanent health coverage. Often called term medical insurance or temporary medical insurance, short term medical plans are designed to give health coverage during a limited series of months. Short term health insurance in a nutshell •Not intended to be primary medical insurance, and doesn't have the same benefits as Affordable Care Act (ACA) insurance. Plans vary widely in what they cover. •Generally less expensive than ACA coverage, but you may be subject to a tax penalty. •Application includes a series of medical questions to determine if you qualify for coverage. •Preexisting conditions are typically not covered. •You can apply at any time, all year round, and in many cases get covered as soon as the next day.

65 or over - Explore your Medicare options

If you lost coverage or are coming off some other insurance, short term medical insurance might work as the right health plan for you while you find more permanent health coverage. Often called term medical insurance or temporary medical insurance, short term medical plans are designed to give health coverage during a limited series of months. Short term health insurance in a nutshell •Not intended to be primary medical insurance, and doesn't have the same benefits as Affordable Care Act (ACA) insurance. Plans vary widely in what they cover. •Generally less expensive than ACA coverage, but you may be subject to a tax penalty. •Application includes a series of medical questions to determine if you qualify for coverage. •Preexisting conditions are typically not covered. •You can apply at any time, all year round, and in many cases get covered as soon as the next day.

If you're 65 or older, or are under 65 with a qualifying disability or condition, Medicare is very likely your best health insurance option. Medicare in a nutshell •Get coverage in every major medical area. Medicare Part A for hospital insurance, Part B for doctor visits or lab work, and Part D for prescription drug coverage. •Pick up a Medicare Supplement plan (also called Medigap) to cover areas Medicare itself doesn't. •Or, combine Part A, Part B and even Part D drug coverage in a single Medicare Advantage plan (referred to as Medicare Part C). •Generally, enrollment for Medicare is three months before and after the month you turn 65.
Coverage for the long term - Affordable Care Act (ACA) plans

Commonly called Obamacare, ACA coverage may not always seem like affordable health insurance at first. However, if you have preexisting conditions or need medical coverage for an extended period of time, an ACA plan may be your best option. It can even be less expensive than you think if you qualify for a tax credits or subsidies. ACA insurance in a nutshell •Guaranteed issue. You can't be turned down for coverage or charged more based on preexisting health conditions. •Tax credits and subsidies could help with your costs depending on how much you earn. •Plans cover a consistent set of ten essential health benefits, including preventive care, maternity care, and prescription coverage. •Unless you qualify for a special enrolment, you must enroll during the annual open enrolment, usually in November and December.