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Can I Have Two Health Insurance Plans?

Posted on June 29th, 2023 by Cassandra Love10 mins read

can i have 2 health insurance plans? text overlaying image of a woman sitting on the floor thinkingFinding one insurance plan that’s right for you can seem like a big task. But in some cases, you might actually be wondering if it’s possible to have two health insurance plans. And the answer is yes: it is possible and legal to have two policies, a primary and secondary health insurance policy. And while it might seem like a lot of extra work to research and maintain two plans, having two different health insurance plans can actually help you save money on the overall cost of your medical care and treatment.

 

With that being said, having two plans can also mean paying twice as much each month for your premiums. As well as twice as much for your deductible. So if you are considering purchasing additional coverage, you’ll need to give serious thought to whether or not enrolling in a second health insurance plan would be the best option for you.

 

To help you make this decision, we’ve broken down how primary and secondary insurance policies work. So you can understand the difference and get a better idea of how two policies could work for you. And, as always, if you have any questions, or need help looking for the right policy – or policies – for you, contact an EZ agent!

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Primary Insurance

Your primary plan will be the plan that will first cover any necessary medical care. This plan will pay before your secondary insurance plan kicks in. For instance, if you need to see a doctor or buy prescription drugs, your primary insurer will cover the costs of these services up to the coverage limits that it provides. Remember, though, as with any health insurance plan, you may still be responsible for cost-sharing, like coinsurance.

Secondary Insurance

In most cases, if you have a secondary insurance plan, it won’t begin to pay out benefits until after your primary insurance plan has exhausted its available coverage. After your primary insurer has paid its share of your medical costs, your secondary plan will begin to take effect to cover any additional costs that remain.

How to Get Two Plans

Getting secondary health insurance is similar to getting primary health insurance, but there are some differences to keep in mind. Here are the steps to getting a second policy:

 

  1. Assess your primary policy – Review the policy documents for your current plan to find out what services are covered, how cost-sharing works, and what coverage limits there are. Think about your current and future health needs to find any gaps in your coverage. 
  2. Research secondary options – Options for secondary coverage range from plans that cover just one type of health service to plans that cover everything. Find out what kinds of plans are available to you and choose the one that fills in the gaps in your current coverage the best.
  3. Understanding coordination of benefits – People can’t choose which of their two health plans is the “secondary” one. Before you sign up for another plan, make sure it will pay after the one you already have. 
  4. Apply and purchase – To sign up, follow the instructions for the plan you’ve chosen. Fill out the forms carefully and be ready to answer questions about your current health insurance. Pay your first month’s premium after getting approved for coverage.

How Does Having Two Plans Work?

When you have a medical bill, the first insurance that pays out is your primary insurance. It will pay up to its coverage limits. Then your secondary insurance will kick in and can pay part or all of the remaining costs. Please be aware that there are limits to the coverage provided by both the primary and secondary insurance. If the secondary insurer does not pay in full, the remaining balance will be your responsibility. Therefore, it is possible that you will have some remaining out-of-pocket medical costs. Even if you carry multiple health insurance policies. 

 

There is a good chance that a Coordination of Benefits clause is included in your health insurance policy. This clause will lay out the predetermined order of how your plans will pay for your covered services. So, in the event that you or your medical provider file a claim for your care, the Coordination of Benefits document will specify which plan is accountable for making payments. 

Examples of Primary and Secondary Plans

So, if you have more than one insurance policy, which policy is considered primary and which is considered secondary will be determined by your circumstances. The following are some examples of how primary and secondary plans work for different groups of people:

 

  • Married Couples – Say a wife has her own insurance but she is also covered under her husband’s group insurance from his job. The wife’s primary insurance would be her individual plan and her husband’s group coverage would be the secondary.
  • Minors under 26 – Under the Affordable Care Act, dependents can remain on their parents’ insurance until age 26. This means that an adult under this age could get their own health insurance policy from their employer while still being covered by the family policy. If that’s the case, the child’s health insurance would be the primary plan. And the parent’s would be the secondary plan.
  • Parents with separate plans – Say you are under 26 and still on your parent’s health plan. If they both have separate plans and you’re listed on both of them, you have dual coverage. The primary and secondary coverages are determined by a “birthday rule”. Meaning whichever parent’s birthday is earlier in the year will give you your primary insurance. And the one with the later birthday will give you your secondary plan. For example, if your mom’s birthday is in January and your dad’s birthday is in March. Your Mom’s insurance would be your primary coverage. This isn’t about which parent is older – the birth year doesn’t affect the order, only the birth month.
  • Medicare beneficiaries with group health plans – If you are 65 or older and on Medicare, but are still working and have insurance through your employer, Medicare will be your primary insurance if the company you work for has fewer than 20 employees. If your company has 20 or more employees, your group plan will be primary and Medicare will be secondary.

 

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Out-Of-Pocket Costs

The cost of having two plans will generally be higher than the cost of having one plan. Since you will have to pay the premiums and deductibles for each of your health insurance policies. For example, consider this: you will not be able to use your secondary coverage to cover your primary’s deductible. You will also have to pay any copayments and coinsurance that are associated with each plan.

 

It’s also important to note that the rules of your primary plan will apply to both of your policies. So, for example, if your primary plan is a PPO plan. Your primary policy may stipulate that you can only use certain doctors and hospitals in your plan’s network. Your primary insurance won’t pay anything if you go to a doctor who isn’t in their network. The secondary insurance won’t either because you broke the primary plan’s rules by going to an out-of-network doctor.

 

In addition, if your provider charges you more than what your plan(s) considers to be reasonable, customary, or allowed under plan rules, you may have to pay the difference. A licensed insurance agent from EZ can help you understand the out-of-pocket costs associated with each of your plan options.

Weighing Your Options

There are positives and negatives associated with choosing to have a primary and secondary insurance plan. Just as there are with any other type of insurance. Let’s take a look at the pros and cons to help you decide if having two plans might be right for you.

Benefits

  • Extra Coverage – Having two plans could come in handy in the case of unanticipated medical expenses. And if you find that you frequently have to pay for your own medical expenses out-of-pocket, it may be beneficial to purchase a secondary health insurance policy.
  • No Gaps – Even if one of your health insurance policies lapses, you won’t experience a gap in coverage if you have a second plan. Your secondary health insurance will just become your primary automatically.
  • Complementary coverage – Having plans that are complementary, that cover different elements of your healthcare, will mean you’ll get more coverage and better benefits. You’ll be able to make up for what your primary health insurance doesn’t cover with your secondary plan.

Disadvantages

  • No guarantee – Even if you have two separate health insurance policies, your out-of-pocket costs may still not be covered in full. Keep in mind that the amount of your plans’ coverage cannot be more than the amount of your out-of-pocket expenses.
  • Extra expenses – Your two separate health insurance policies will still require you to make payments on the associated premiums and deductibles. This may result in additional expenses further down the road.
  • Overlapping – It’s possible that your coverage from two different health insurance plans will actually overlap if the plans are too similar to one another. Meaning you will not receive as many additional benefits as you might like.

FAQs

  • What is the birthday rule?

When children are covered by both parents’ health insurance policies, the birthday rule plays a significant role in determining which plan provides primary coverage and which provides secondary coverage. According to the birthday rule, whichever parent’s birthday falls earlier in the year will be the primary insurer. Secondary insurance is provided by the other parent’s plan. The year of birth of each parent does not come into play.

  • How do I know which is my primary insurance?

You don’t get to choose which plan will be your primary coverage and which will be your secondary coverage. Whenever you file a claim, your primary health plan will cover you as if you didn’t have a secondary plan. After that, your secondary health insurance will cover the rest of the bill. If you have two health plans, there are rules about how your benefits will work together. Some of these rules will be different for you based on your health insurance company and your situation.

  • Is having 2 plans worth it?

It depends. Having two health plans can save you money if one is free or both are inexpensive. Also, it’s best to make sure they work well together. Check to see if their coverages and benefits overlap or are too similar.

EZ Is Here to Help

Having both primary and secondary coverage can be complicated. It could work for you, but you’ll need to weigh the pros and cons carefully before deciding whether or not to invest in a secondary insurance policy. Feel free to ask EZ anything. Including if having two plans might be right for you, as well as for assistance in locating a secondary health insurance plan, if necessary. We will compare plan benefits and costs for you. And will assist you in locating affordable coverage that meets your needs. Simply enter your ZIP code below to get started with free, customized quotes right now! You can also give us a call at 877-670-3557 to have a qualified insurance professional discuss your needs and help you choose the best policy for you.

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HHS Announces New Policy to Make Coverage More Accessible and Affordable for Millions of Americans in 2023

Updated on August 8th, 2023 by Cassandra Love4 mins read

In April, the Department of Health and Human Services (HHS) and the Centers for Medicare and Medicaid Services (CMS) announced that they have new measures that will allow consumers to more easily find the right form of quality, affordable health care coverage. Beginning November 1st, 2022, health insurance coverage will be more accessible and affordable to millions of Americans.

The 2023 Notice of Benefits and Payment Parameters Final Rule

gavel next to a book
The new policy, beginning November 1st, will help grant health insurance access to millions of Americans.

This new policy will make regulatory changes in the individual and small-group health insurance market, establishing parameters and requirements.

“The Affordable Care Act has successfully expanded coverage and provided hundreds of health plans for consumers to choose from,” said Health and Human Services Secretary Xavier Becerra. “By including new standardized plan options on HealthCare.gov, we are making it even easier for consumers to compare quality and value across health care plans. The Biden-Harris Administration will continue to ensure coverage is more accessible to every American by building a more competitive, transparent, and affordable health care market.” 

“The recent Open Enrollment Period demonstrated the demand for high-quality, affordable health coverage. These steps increase the value of health care coverage on HealthCare.Gov and further strengthen the health insurance Marketplace,” said CMS Administrator Chiquita Brooks-LaSure. “This policy will make it easier for people to choose the best plan that meets their needs by standardizing plan options, like maximum out-of-pocket limitations, deductibles, and cost-sharing features.”

Policies Include:

Advancing Standardized Plan Options -President Biden’s Executive Order 14036 on Promoting Competition in the American Economy helps simplify the consumer shopping experience by establishing standardized plan options for issuers offering Qualified Health Plans (QHPs) to maximum out-of-pocket limitations, deductibles, and cost-sharing features.

Implementing New Network Adequacy Requirements – Patients will have access to the right provider at the right time, and inaccessible locations. The new rule also set standards requiring routine Primary Care appointments to be available within 15 business days of the enrollee’s request, as well as review the distance between provider and enrollees, and make sure that it is not an issue that they are not too far apart.

Increasing Value of Coverage for Consumers – The CMS will be updating the allowable range and medical coverage levels for non-grandfathered individual and small-group market plans.

hundreds of people
The new policy will expand health insurance access to essential community providers.

Increasing Access for Consumers and Removing Barriers to Coverage – This will protect consumers from discriminatory practices related to the coverage of essential health benefits. They will refinance the EMS non-discrimination policy, specifically, the one that limits coverage for essential health benefits on a base that is protected from discrimination.

Expanding Access to Essential Community Providers – CMS is increasing the Essential Community Provider (ECP) threshold from 20% to 35% of available ECPs in each plan’s service area to participate in the plan’s provider network. The higher ECP threshold will increase access to a variety of providers for consumers who are low-income or medically underserved.

The health insurance Open Enrollment Period is open until January 15 (depending on your state), so now is the perfect time to reconsider getting a health insurance plan or looking into your current one and making sure it will cover all of the above-mentioned costs. And if your plan doesn’t cover everything you need it to, it’s time to find a plan that does, so you can save as much money as possible. If you’re shopping for a plan, your best bet is to speak to a licensed EZ agent. Our agents work with the top-rated insurance companies in the nation, so we can compare plans in minutes. We will not only find a plan that has all the benefits you’re looking for, but we will also make sure the plan meets your financial needs. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a local agent, call 888-350-1890. No obligation.

Coping With Pregnancy and Infant Loss

Posted on September 5th, 2022 by Cassandra Love5 mins read

October is Pregnancy and Infant Loss Awareness Month. 1 in 4 women are affected by pregnancy or infant loss, meaning there is a good chance someone you know has gone through the terrible tragedy of miscarriage, stillbirth, sudden infant death syndrome (SIDS), or other death of an infant. While the loss of a pregnancy and or an infant are topics that some might consider to be taboo, the goal of the creation of National Pregnancy and Infant Loss Awareness Month in 1988 was to undo that stigma.

Why Was Pregnancy And Infant Loss Awareness Month Created?

pink and blue ribbon
October is National Pregnancy and Infant Loss Awareness Month.

On October 15, 1988, President Ronald Reagan declared October as National Pregnancy and Infant Loss Awareness Month. When the proclamation was issued, Reagan said, “National observance of Pregnancy and Infant Loss Awareness Month offers us the opportunity to increase our understanding of the great tragedy involved in the deaths of unborn and newborn babies. It also enables us to consider how, as individuals and communities, we can meet the needs of bereaved parents and family members and work to prevent causes of these problems.”

There has long been a stigma or sense of shame associated with the loss of a baby that is undeserved. The term “miscarriage” implies that a mistake was made, which is hurtful, untrue, and unfair. Pain and grief can isolate us but destigmatizing infant loss is crucial to coping and healing.

Advocates then and now want grieving parents and families to know that losses don’t need to be hidden behind closed doors. People who haven’t experienced infant or pregnancy loss may feel uncomfortable talking about it, but this only increases the perceived shame and stigma associated with this type of loss. Observing Pregnancy and Infant Loss Awareness Month every October is a way to acknowledge loss, deal with the stigma, and help bereaved parents find ways to cope with the pain and move forward.

How Can You Support a Grieving Parent?

Unfortunately life doesn’t come with a manual. If it did, we would know how to support someone who has experienced pregnancy or infant loss. But fortunately, with the creation of Pregnancy and Infant Loss Awareness Month, information has become more readily available to help navigate relationships where there has been a loss. Here are some things to keep in mind if you are supporting a grieving parent or family:

  • Acknowledge the loss. Ignoring the subject sends the message that their loss is invisible or didn’t happen at all. 
  • Do NOT use “at least” statements. Using statements like “at least you have another child” or “at least you were able to get pregnant in the first place” belittles the griever’s situation, and can feel hurtful and unsympathetic. 
  • Be there to help with the big things AND the little things. Ask what you can do to help: Maybe the grieving parents need help bringing other children back and forth to school, or perhaps you can pick up groceries or run other small errands. Depending on your relationship with the parents, it may be appropriate to offer help with funeral arrangements or removing items from the baby’s room at home. 
  • Continue to be present and offer support long after the initial loss. There will be days known as “grief hot spots,” which could be obvious, such as the anniversary of the death or a special holiday. There will also be ones that might spark grief that aren’t so obvious, such as the baby’s due date. The grief that surrounds parents will never go away, so it’s important to be there as they navigate their new normal of life after loss.

How Can You Cope As a Survivor of Pregnancy or Infant Loss?

As a survivor of pregnancy or infant loss, you might feel like the pain is insurmountable. You’ve found yourself thrust into a club that nobody wants to belong to, and might feel like you’re in a fog. But know that you are not alone, and that there are resources available to help you cope and heal. The following are some ways to cope with the tragic loss of a pregnancy or infant:

  • Give yourself time to process the loss. Let your employer know that you will need some time off, and have your doctor fill out any paperwork necessary to have your request approved. As far as your personal life goes, share with friends and family that you will probably need some time to deal with the trauma and grief.
  • Take it one day at a time. The range of emotions you’ll face will change moment to moment, and might feel overwhelming. Practice self-care and really pay attention to how you talk to yourself and how you physically treat yourself. woman and man talking
  • Share your feelings with your partner but realize that you most likely will grieve differently. You have a unique bond since you went through the loss together, but you must have a mutual understanding and acceptance that you will both deal with it in your own way. Remind yourself and each other there is no right or wrong way to cope with loss.
  • Get help from a psychiatrist or support group, especially if you have depression, posttraumatic stress disorder, or suicidal thoughts. Your doctor or midwife will be able to point you in the right direction. A lot of health insurance plans cover mental health services, so check to see if you’re covered. 

If you need healthcare coverage, contact EZ to find a plan that’s right for you. Our agents are highly trained and can help provide you with free, no obligation, hassle-free quotes. Because we work with so many companies and can offer all of the plans available in your area, we can help find a plan that will save you money. For free instant quotes, simply enter your zip code in the bar above or call 888-350-1890 to speak to a local agent.

What Are Oral Clefts and Can They Be Prevented?

Updated on August 8th, 2023 by Cassandra Love4 mins read

Approximately 1 in 1,000 babies in the United States each year is born with an upper lip and mouth that doesn’t form completely, a condition known as cleft lip or cleft palate. This malformation often happens early in pregnancy, generally between the 6th and 10th weeks of gestation, and can range from mild to severe. July is National Cleft and Craniofacial Awareness and Prevention Month, so to bring awareness to this issue, we want to look at what causes oral clefts and how to help prevent them.

What Causes Cleft Lip & Palate?

During the first 6 to 10 weeks of pregnancy, the bones and skin of a baby’s upper jaw, nose, and mouth normally come together to form the roof of the mouth and the upper lip. A cleft palate happens when parts of the roof of the mouth do not fuse together completely. 

Unfortunately, doctors and researchers are not 100% sure what causes oral clefts, but some believe that there are factors that can increase the risk. In general, male babies are more likely to develop an oral cleft; the other factors are usually genetic and environmental, and can include:woman holding her pregnant belly

  • A family history of oral clefts
  • Substance use during pregnancy
  • Nutrient deficiency, specifically of folic acid
  • Having diabetes before pregnancy
  • Use of certain anti-seizure medications
  • Obesity during pregnancy
  • Certain infections
  • Asian, Hispanic, or Native American descent

What Other Conditions Are Associated with Cleft Lip & Palate?

If your baby is born with an oral cleft, there could be some other complications that go beyond the physical appearance of the cleft lip and palate. Babies born with this condition can also experience:

  • Hearing difficulties
  • Speech difficulties
  • Difficulty feeding
  • Ear infections
  • Dental issues

Are Oral Clefts Preventable?

Cleft lip and palate are typically not preventable, but there are things you can do to help lower the risks of your baby developing this condition. These things include avoiding alcohol and smoking during pregnancy, maintaining a healthy weight before pregnancy, and taking at least 400 micrograms of folic acid a day before conception. It is important to note that, even if you do follow all of the recommendations for preventing oral clefts, and you still find out that your baby has developed one, it’s not your fault: this condition can happen regardless of the choices you make.

Treatment for Cleft Lips & Palateschild's cleft lip stages of surgery treatment

Children born with cleft lips and palates will need several treatments as they grow. Generally, the cleft is treated with surgery, followed by speech therapy and dental care. But before your child has surgery, there are a few techniques that can improve the outcome of the repair, including:

  • A lip-taping regimen, which can narrow the gap in your child’s cleft lip.
  • A nasal elevator, which is used to help form the correct shape of the baby’s nose.
  • A nasal-alveolar molding (NAM) device, which can be used to help mold the lip tissues into a more favorable position in preparation for the lip repair.

Around 30-40% of children with a cleft palate will need further surgeries to help improve their speech, usually after their speech is assessed between ages 4 and 5. Repairing a cleft might seem like a long process, but most children will end up being able to talk and eat without any issues with the help of surgeries and therapies.

Finding Health Insurance Coverage

One of the most important factors in getting the help your child needs for their cleft is your health insurance plan. Before purchasing a plan, make sure you understand what coverage it offers, and make sure it will cover evaluation and treatment for a cleft.

If you’re not sure what plan is right for you, speak to an EZ agent! EZ agents are highly trained and knowledgeable, and will sort through all available plans to make sure that you’re completely covered throughout the lengthy process of repairing your child’s cleft. 

We offer a wide range of health insurance plans from top-rated insurance companies in every state. And because we work with so many companies, and can offer all of the plans available in your area, we can find you a plan that saves you a lot of money – even hundreds of dollars – even if you don’t qualify for a subsidy. There is no obligation, or hassle, just free quotes on all available plans in your area. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a local agent, call 888-350-1890.

How to Get HIV Prevention Medication for Free

Updated on August 8th, 2023 by Cassandra Love4 mins read

According to the CDC, around 38,000 Americans contract HIV each year. But fortunately, there are now drugs available that can help prevent becoming infected with HIV, including Truvada and Descovy, known as PrEP drugs. Unfortunately, these drugs have been so expensive that they have been out of reach for many people: they can cost as much as $1,800 a month! But all of that is set to change: new rules are mandating that most insurers cover the cost of these drugs, as well as associated clinic visits and lab work.   

The Mandate

After looking at the research surrounding HIV prevention drugs, which shows that each drug is 99% effective at preventing HIV infection, the Biden Administration has decided to mandate coverage for these medications. Most insurers must now completely cover the cost of the drugs and, as of Sept. 19, 2021, must also cover the cost of the services associated with them, including regular HIV tests and doctor’s office fees, according to new rules from the Centers for Medicare and Medicaid Services. 

gavel on a table

Hundreds of thousands of people could benefit from the new mandate, especially African Americans and other people of color, who are much more likely than whites to be diagnosed with HIV, but much less likely to talk with a healthcare provider about the drugs. 

“Now it is important that people who are eligible for PrEP, along with their providers, are aware of these new requirements,” Carl Schmid, executive director of the HIV+Hepatitis Policy Institute, said of the new guidance to insurers regarding PrEP-related cost-sharing. “We also have to hold insurers accountable to ensure they are doing their job in complying with their legal obligations. Plan reviews still show many insurers are not in compliance, and we need state insurance regulators to enforce the law and the new guidance.”

Descovy and Truvada, often referred to as PrEP, for “pre-exposure prophylaxis,” are approved for men at high risk of acquiring HIV through unprotected sex or injection drug use. Truvada is also approved for women.

What If You Don’t Have Insurance?

Even if you don’t have insurance, or your current plan will not cover the drugs, there is still hope! The generic form of Truvada, which is just as effective, can cost as little as $30 a month! 

In addition, you should look into Ready, Set, PrEP, a federal program that offers Descovy and Truvada free to anyone without insurance, regardless of their income level, as long as they have a Social Security number and a prescription. You can apply by calling 855-447-8410. 

Once approved, you can fill the prescription at any participating pharmacies, including Albertsons, CVS, Rite Aid, Vons, Walgreens, and Walmart.

Carolyn Chu, MD, chief medical officer at the American Academy of HIV Medicine, says “A significant component of ending the HIV epidemic is ensuring that, in addition to medication coverage, communities most at risk for HIV and those with the greatest need have access to care that is free from stigma, and delivered by providers who understand the experiences of the community.”

Looking For An Affordable Plan?illustration of health insurance

If you don’t have health insurance, or your plan does not cover these drugs, you can find an affordable plan that does with EZ’s help. We offer a wide range of health insurance plans from top-rated insurance companies in every state. And because we work with so many companies and can offer all of the plans available in your area, we can find you a plan that saves you a lot of money – even hundreds of dollars – even if you don’t qualify for a subsidy. There is no obligation, or hassle, just free quotes on all available plans in your area. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a local agent, call 888-350-1890.

Stats About Health Insurance

Updated on August 8th, 2023 by Cassandra Love4 mins read

Everyone knows they need health insurance, but it’s one of those things that people will often put off getting, for a variety of reasons. Some people think they don’t need it because they’re healthy, or that they won’t be able to afford it, since the cost of insurance has been on the rise. Not only that, but the pandemic caught everyone off guard and caused hardships for many people, including the loss of jobs and health insurance plans. In fact, we’ve got some very eye-opening stats on the state of health insurance in our country today that you need to see – some of them might just convince you that now is the time to finally find your plan!

Millions Of People Lost Coverage Because of Covidgreen viruses

Millions of Americans lost their jobs in the early days of the pandemic when so many businesses were forced to shut down for months. And when these people lost their jobs, they also lost the health insurance provided by their employer, and many remained without health insurance because it was too expensive to purchase their own individual plans.

Over 70% of Uninsured People Say The Cost is Too High, but There’s Something They Don’t Know

One of the main reasons people decide not to purchase health insurance, or to even look into purchasing a plan, is that they think the price is going to be too high. But what some people might not know is that President Biden has made health insurance cheaper and more affordable for people with low to no income by opening up subsidies to more Americans. The Biden administration estimates that ACA premiums will decrease by about $50 per month, with one administration official emphasizing that 4 out of 5 people enrolling “will be able to purchase a plan for $10 or less per month.” This could make a huge difference in the lives of the 14.9 million people who are currently not insured in the U.S.

Over 40% of Those Who Are Insured Don’t Have Enough Coverage

For those who do have health insurance, almost half of them are underinsured, and unfortunately don’t find this out until they receive big bills after getting treatment. Some people don’t review their plan or assume the plan they’ve had for years will be sufficient, when in reality it might not be adequate for their needs. If you think this might be the case for you, or you think that you can only afford the coverage you have and nothing more, it’s worth looking into other plans and speaking with an agent. 

 

overdue bills stacked on top of each other
Many Americans have overdue medical bills that lead to bankruptcy.

Around 20% of Households Have Outstanding Medical Bills

Studies show that around 20% of Americans have bad credit reports because of outstanding medical bills. Because wages are low, inflation is rising, and medical services are extremely expensive, people are choosing to put their money towards other necessities, instead of paying their medical bills.

Medical Bills Are the Leading Cause of Bankruptcy

Over 60% of bankruptcies in America are caused by high medical bills! But what many people are unaware of is that you can have your medical debt forgiven: hospitals do have medical debt forgiveness programs, so if you are struggling with bills, speak to them about ways to have your bill reduced, or even waived completely. 

Get Affordable Coverage

Health insurance can be expensive, but with professional, highly-trained agents on your side, you can find an affordable plan with the right coverage for your needs. We know it can feel like there are endless things to think about when looking for a health insurance plan for you and your family. Do you want more flexibility? Supplemental insurance? Cheaper prescriptions? But the easiest way to find the right plan for you and get the answers to these questions is to work with an EZ agent. We will compare plans, go over every option, discuss your needs, and help you sign up for the plan you need, all at no cost to you. Our services are completely free, with no hassle and no obligation. Get free health insurance quotes by entering your zip code in the bar above, or to speak with a local agent, call 888-350-1890.

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