INDIANA INSURANCE CENTER, located in Bloomington, Indiana is committed to helping YOU through the maze of Health Insurance. Hello - my name is Jeanette Schuler, and I will be your personal insurance agent. I have been in the Insurance business since 1992, and Health Insurance just continues to become more complicated and with more choices with each passing year.
This is basically great for the consumer, because you can now can tailor your health insurance coverage to suit your particular needs and situation. However, working through the maze of different options for your Health Coverage can seam at times a little overwhelming. That's where I come into the picture. I am an Independent Insurance Agent, which means I represent a number of different insurance companies.
Even though I am paid by the insurance company, my loyalty is to YOU, my client. My job is to get you the best coverage for your current situation, and to make sure everything works according to contract. The good news is that the cost of your health insurance is the same if you use my services or apply directly to the insurance company.
This is basically great for the consumer, because you can now can tailor your health insurance coverage to suit your particular needs and situation. However, working through the maze of different options for your Health Coverage can seam at times a little overwhelming. That's where I come into the picture. I am an Independent Insurance Agent, which means I represent a number of different insurance companies.
Even though I am paid by the insurance company, my loyalty is to YOU, my client. My job is to get you the best coverage for your current situation, and to make sure everything works according to contract. The good news is that the cost of your health insurance is the same if you use my services or apply directly to the insurance company.
Services
ObamaCare, which started in 2013 is still very much alive.
There have been a few changes, most notable, there is no longer a penalty for not having Health Insurance.
In Indiana we have two companies that are on the Marketplace - Ambetter and CareSource, and I am pleased to represent both of these companies.
This year, we have access to greatly improved software for uploading all the paperwork so the process of obtaining your Health Insurance has greatly improved - so no more bad experiences working through the complexities of our Health Insurance system.
There have been a few changes, most notable, there is no longer a penalty for not having Health Insurance.
In Indiana we have two companies that are on the Marketplace - Ambetter and CareSource, and I am pleased to represent both of these companies.
This year, we have access to greatly improved software for uploading all the paperwork so the process of obtaining your Health Insurance has greatly improved - so no more bad experiences working through the complexities of our Health Insurance system.
HEALTHCARE SHARING PROGRAMS provide another option for help with paying your HealthCare expenses.
What are they?
First of all, what they are not!
They are not INSURANCE!
A HealthCare Sharing Program is a group of like-minded people sharing each other's financial burdens associated with HealthCare expenses.
There are good things about these programs, and there are not so good things!
I will be providing links to some of these companies, but I would encourage you to contact me so that we can work together in deciding if this option is the best for your situation.
What are they?
First of all, what they are not!
They are not INSURANCE!
A HealthCare Sharing Program is a group of like-minded people sharing each other's financial burdens associated with HealthCare expenses.
There are good things about these programs, and there are not so good things!
I will be providing links to some of these companies, but I would encourage you to contact me so that we can work together in deciding if this option is the best for your situation.
SHORT TERM MEDICAL INSURANCE is a great way to insure yourself while waiting to join an employer's medical plan, Medicare or in a temporary situation in which you find yourself to be Financially Challenged.
The Important thing is to have some kind of Health Insurance because Bad Stuff happens to everyone!
The Important thing is to have some kind of Health Insurance because Bad Stuff happens to everyone!
1. Medicare Supplemental Health Insurance - which is intended to pay for Medicare approved medical expenses which are not paid by Original Medicare.
2. Indemnity Supplemental Health Insurance - which pays a specific dollar amount when certain medical services are required.
For example - they might pay $500 a day for every day you are confined to the hospital, or pay $1000 upon a diagnosis of cancer or heart attack.
The Indemnity Supplemental Policy can be used to supplement an ACA (also called an Obama Care Policy) or a Medical Advantage Plan.
2. Indemnity Supplemental Health Insurance - which pays a specific dollar amount when certain medical services are required.
For example - they might pay $500 a day for every day you are confined to the hospital, or pay $1000 upon a diagnosis of cancer or heart attack.
The Indemnity Supplemental Policy can be used to supplement an ACA (also called an Obama Care Policy) or a Medical Advantage Plan.
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