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Insurance Facts

Before getting comprehensive insurance coverage, you need to learn certain facts about insurance policies to make the right decision. Secure Health Choice, LLC. in Virginia, is ready to answer your questions and help you find the best policy for your situation. The following are a few general facts to help you get started:

Health Insurance Policy

A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price or premium. If your employer does not offer a health insurance plan, you could purchase health insurance on your own. Most people think insurance fees are too expensive. This is a common misconception because health insurance is actually a form of protection against future medical costs.

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Group Health Insurance

Groups, such as employees of a firm or members of an association, could also be protected with a group health insurance policy. Group insurance is different from individual insurance, where single policies are sold to one person at a time, and social insurance (e.g., unemployment insurance, social security), insurance sponsored by the government. Call us today 804.307.9164, so we can provide and compare our group health insurance quotes with your current group health coverage.  If your current coverage is still the better coverage option for your business, we'll make sure you know it!  It never hurts to compare your options!

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How Insurance Providers Pay Policyholders

A health insurance plan usually offers direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. Premiums may be payable either in a lump sum or in installments depending on the policy.

Affordable Care Act (ACA)

Under the ACA, currently Open Enrollemnt runs from November 1 - December 15 of each year. To purchase an ACA Health Care Reform Insurance Plan outside of open enrollment, you must have a qualifying event. 

Secure Health Choice NO longer offers Individual Health Insurance through the Market Place for individuals UNDER 65.  We do however offer Short Term Medical policies for individuals of ALL ages currently without health insurance or waiting to go onto a health insurance plan (such as a group policy or Medicare).