Covered By Us Benefits Marketplace

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The Covered By Us Benefits Marketplace is Simple to Understand and Easy to Apply Online!

and Easy to Apply Online! Open Enrollment for 2022 Under Age 65 ACA Major Medical Insurance has ended. Stay tuned for 2023 enrollment information.

First, do you know if you qualify for Marketplace benefits? It’s simple: If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), the Marketplace will help you find affordable coverage.

Finding health insurance is easy with Covered By Us Benefits Marketplace. You can apply online through our Covered By Us Benefits Marketplace or call 888-504-0669. The online marketplace will provide you with the best available options that fit your financial and health needs.

If you have Medicare, you cannot switch to an under age 65 Marketplace insurance plan to supplement your coverage. If you have or need additional Medicare coverage, an Covered By Us agent can help you.

Marketplace Plans Cover a Variety of Health Concerns

These are the essential benefits and minimum requirements for ALL Marketplace plans. But, specific services covered in each broad benefit category can be based on your state’s requirements.

Certain Life Events Can Qualify You for Special Enrollment

Have you lost your job—or had a baby this year? These are some of the special circumstances that might qualify you for Special Enrollment. Other life events that qualify you are getting married or you have lost coverage due to moving. You can also enroll if you were approved for unemployment compensation and have lost your job-based health insurance. If eligible, you might qualify for coverage even if you didn’t in the past.

Medicare Advantage Plans

These plans are designed to close the gaps left in Original Medicare. Medicare Advantage plans function similarly to group health insurance and have provider networks. HMO plans have a network of physicians and facilities which patients typically must use in order to be covered (there are some exceptions for emergencies). PPO plans typically allow for care in or out of network but out of network providers typically have a higher cost to you.”

Plan premiums are typically low (or even $0), but if patients do not use network providers, they may have to pay large out-of-pocket costs

Prescription drug coverage (Plan D) is often included with Medicare Advantage plans.

How Much Will it Cost?

The cost of your major medical health insurance plan will depend on your income. There are easy tools to help you figure how you will save. You may qualify for a premium tax credit that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like deductibles and copayments.

These plans are offered by private insurance plans. There is a broad range of prices and features. All other plans (Non-ACA Major Medical Plans) are based on age and zip code. Some products may have additional underwriting questions that may also determine product cost.