Health

As medical care grows more advanced and treatment options increase, the cost of treatment also increases. Even if you are healthy now, unexpected illness (such as cancer or diabetes) or a traumatic event (such as a car accident) can leave you suddenly struggling to afford enormous medical bills. 

But there’s good news — with the Affordable Care Act, everyone can have access to healthcare coverage. Hickory Hill Insurance has almost two decades of experience working with Medicare, so we understand complex government programs. With every individual, we take into account your budget, lifestyle, and health care needs to find the right fit for you. 

Medicare

Medicare is a federal health insurance program for Americans aged 65+, as well as younger individuals with specific disabilities or conditions. It consists of Part A (hospital insurance), Part B (medical insurance), Part C (private Medicare Advantage plans), and Part D (prescription drug coverage). Participants choose between Original Medicare (A+B) or Medicare Advantage (C).

Marketplace

The Health Insurance Marketplace (or ACA exchange) is a government-run service at HealthCare.gov where individuals, particularly those without employer coverage, can compare and purchase private health insurance. It offers tax credits to lower premiums based on income and requires plans to cover ten essential health benefits.

Medicaid

Medicaid is a joint federal-state program providing low-cost or free health coverage to millions of Americans with limited income, including children, pregnant women, seniors, and people with disabilities. As an entitlement program, it covers mandatory services like hospital care and physician visits, with eligibility and specific benefits varying by state.

You want to gain the most from your health care dollars, with the coverage you need at a price you can afford. If you don’t qualify for Medicare or Medicaid, you still have choices for your health care. 

Call now to talk to an expert who can help you make an informed decision about your health, answer any questions, and get you the coverage you need.