Health insurance in the United States covers a large part, or in some cases, all of the expenses incurred by using medical services. Through an agreement between the insurance company and the insured person, the benefits that the insured can access are defined, as well as the commitments they acquire with the insurer, some of which are:

• Monthly premium: fixed monthly value of the insurance.
• Deductible: the amount that the insured pays out of pocket to initially access the medical service.
• Copayments and coinsurance: fixed fees or percentages for certain medical services.

At Preventty Insurance Agency, we advise you so that you understand every detail of how health insurance works and find a health plan that helps your finances. We review your case and verify if you can qualify for a health plan.

Health insurance is important because it protects your capital and gives you peace of mind in case of an unexpected health event or a risk situation such as: an illness, a work or home accident, a treatment you may need in the future. Having health insurance can prevent a financial tragedy that keeps you from fulfilling your dreams. With insurance, medical expenses can be covered, while you focus on recovering without worries or debts.

To be eligible and able to apply for health insurance, it is necessary to have a defined immigration status in the United States: citizen, resident, with a work permit, with an I-797 certificate, or in the process of political asylum. It is also necessary to declare your annual taxes or intend to do so for the following year.

• Single people or complete families. You can have health insurance if you don’t have a family, and if you do have a family, you can be the policyholder and your family members the beneficiaries.
• Have annual income between $15,650 and $62,600 if you are a single person. If you are going to qualify with your family, at Preventty we will tell you the total income they must have to know if they qualify for a health plan with tax benefits.
• Not be covered by any other federal program such as Medicare or Medicaid.
• Remember that if you do not have a defined immigration status, you cannot access a plan with tax benefits. However, in our agency we have products that you can access to stay protected.

At Preventty, we work with you to explore options and alternatives according to your situation and needs.

Selecting the right health insurance can seem overwhelming, but at Preventty we make it simple and help you consider several aspects such as:

• Coverage: We evaluate whether the plan includes preventive, specialized care, and medications.
• Total costs: We review not only the monthly premium, but also deductibles, copayments, and annual spending limits.
• Provider network: We make sure that the doctors and hospitals you need are included in the plan.

We understand that health insurance can be a complex and overwhelming topic. At Preventty we offer personalized advice so you can make informed decisions about your health and that of your family. In a call we can guide you and show you the different options that best suit your needs.

1. We evaluate if you are eligible: through a conversation, we learn about your needs, current situation, approximate annual income, and verify if you qualify for health insurance with tax benefits through the ACA Law, also known as Obamacare.
2. We compare health plans: We help you understand the different options available to you and your family according to the health market. We advise you so you can find the coverage that best suits your needs.
3. Enrollment process: We facilitate the application process and make sure you have all the necessary documentation. We speak Spanish, and best of all, our assistance is free.

Even if you already have a plan, the open enrollment period is ideal to analyze if a change in it would benefit you. Contact our advisors to find the option that best suits your budget and needs.

We are here to help you!