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(You may be eligible for tax credits and subsidies)

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We have plenty of useful resources to help you deal with the complexities of the insurance market. We describe the purpose of each type of insurance cover to turn buying insurance into a straightforward process, and avoid the use of jargon.

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With over 500 carriers and 40,000+ plan designs, there are plenty of choices to select from. Based on your information we identify the plans which meet your needs, e.g. meet your State requirements and our guided plan advisor walks you through a personalized list of questions helping you to choose the best fit plans for your individual circumstances.

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Complete your enrolment online OR with help from our licensed and experienced advisors. The service is FREE now and for the duration of your policy.

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Why Truecoverage?

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Unbiased Recommendations

We are proud to operate one of the strongest and best trained teams of insurance advisors in the USA. TrueCoverage is not linked to any Insurance Company. All our advice and recommendations are based on your needs.

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Of course, we use clever technology to gather data but our advice is personal. Our licensed insurance agents are available to answer all your questions and you can be sure of a response the same working day. This is a service that lasts throughout the life of your policy
Largest Selections of Health Plans for all insurance

TrueCoverage works with over 500 insurers across all 50 States and with local agents who are totally familiar with the Federal and State legislation. That’s TrueCoverage!

One-Stop Shop

TrueCoverage has brought together a team of experts who are able to advise both individuals and companies on their insurance needs. We bring all aspects of Health Insurance (including Dental and Vision), Life Insurance and more under one roof. We can offer Subsidy guidance as well. Truly a one-stop shop.

Simplified Quoting & Enrollment Tools

Online shopping with a personal touch. Just key in a few details, follow the guide. You will receive a selection of competitive quotations tailored to your needs. You can enroll with confidence. Uncertain? Don’t worry, it is a big decision. Call us, our licensed insurance agents will provide you with all the guidance you need to shop the right plan.

We’ve helped over 1 million people find affordable health insurance 

Each customer gets the same quality service.

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Frequently Asked Questions

How is TrueCoverage different from other insurance marketplaces?

It is simple. We are good at what we do!

We keep ‘up to the minute’ details of the insurance options on the market; over 500, ‘A’ rated insurers across 50 States.

You tell us what you need.

We search the best options for you.

If you texted us, we’ll text you back, if you phone, we’ll phone, Email, Email, on line, on line.

How does TrueCoverage help to find the right policy?

TrueCoverage is an insurance broker working on your behalf either as an individual or as a business manager to find the ‘best value’ package of insurances to meet your needs. We do not make decisions on your behalf but we are committed to giving you impartial advice. We can for example give guidance on possible taxation and potential subsidy implications.

Is TrueCoverage affiliated to any insurance companies?

No.
As an independent insurance broker, we are responsible to you for offering advice based on your needs and our knowledge of the marketplace.

How does TrueCoverage make money?

We offer you independent advice. The insurer you choose will pay us the same fee as any other.

Is TrueCoverage licensed?

Yes, in common with all brokers we are licensed in all the States in which we deal.

FAQ section on Truecoverage home page
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In the News

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Interesting articles, trends and stories about the insurance industry

Learn More

THINK PINK. WEAR PINK. October is Breast Cancer Awareness Month.

The average lifetime risk of developing breast cancer is ONE in EIGHT (12% of women). About 300,000 cases of breast cancer are diagnosed each year in the USA of which about 85% are successfully treated.

Sadly, breast cancer is the most common form of cancer (after skin cancers) but despite progress in treatment over 40,000 women (in the USA) die from the disease each year.

Of course, there have been significant advances in ‘late-stage’ treatments but the best opportunity to combat the condition is early detection.

ACA compliant health insurance covers the total cost of screening mammograms (including dependents up to the age of 26).

If a ‘screening’ mammogram reveals an abnormality your physician may suggest a ‘diagnostic ’mammogram.

The diagnostic investigation may entail further x-rays or a biopsy. In most cases the result is negative.  BUT early indications are your opportunity to access early treatment.

Not all health insurance policies cover the cost of ‘diagnostic’ assessments. Talk to us before you choose.

Use ACA open enrollment (November 1st -December 15th, 2019) to make sure that you and your family are eligible for your 2020 screenings.

Think pink. We do!

Refer: https://www.healthline.com/health/breast-cancer/treatment-breakthroughs-2019

ACA Open Enrollment Guide How to choose THE BEST HEALTH PLAN?

ACA Open Enrollment 2020 is between 1st Nov to 15th Dec. Contact your health exchange today to get enrol under affordable care act and get affordable health insurance

Don’t kick the tires!

ASK THE RIGHT QUESTIONS!

The purpose of this article is to help both the first-time buyer of a health plan and the seasoned enroller to find the best health plan to meet their needs.

As we approach ‘open enrollment’ (November 1st to December 15th), now is the time to review your past experiences and consider whether any change in circumstance means that you can choose a more affordable health plan, or that by changing your Health Insurance Agent you give yourself a wider choice of affordable health insurance.

So, let’s start there – WITH YOUR CHOICE OF INSURANCE AGENT

You can, of course, go directly to a health insurance company but you will not benefit from any Federal or State subsidies or premium tax relief.  There some circumstances in which this may be the right option: but for most of us the better choice is to take advice from a Health Insurance Exchange, either Federal, State, or Private.

The Exchanges are independent advisors working on your behalf to secure affordable health insurance that best meets you and your dependents’ needs.  Federal and State exchanges deal only with health insurance.  Private exchanges can take a broader view and advise on supplementary insurances such as Dental, Vision, and Accident attracting favorable terms.

Now, you have chosen an agent

STOP KICKING THE TIRES!   ASK THE QUESTIONS!

Your first question should always be: –

  • What do you (as a health insurance agent) need to know before you can advise me on the medical plan that is best for me and my dependents?
  • You should be prepared with your family details, ages etc. and the best information you have about your recent medical insurance history e.g. the need for visits to the doctor, regular prescriptions, pre-existing conditions and, if you know it, the approximate total spent.
  • You should also advise your agent of any predictable events which might affect your insurance e.g. an addition to the family or an aging off at 26 or 65.
  • What type of plan do you suggest?
    • In most cases the answer will be, either an HMO or a PPO.
    • Don’t worry. This is health insurance jargon for Health Maintenance Organization or Preferred Provider Organization.

The organization to whom your insurer will make payments for the agreed proportion of your expenses.

The difference is that in an HMO you can only visit Doctors who are contracted to your insurer (in‑network) but you will be charged at the contracted (discounted) rate.

If you choose a PPO you have the option to visit Doctors not contracted to your insurer (out of network), but you will be charged the full price

I’d like to stay with my current provider. Is that possible?

  • Yes, it is entirely possible. You can renew your existing policy but if your Doctor is in more than one network, we can find the one that offers the best health plan for you (Either HMO or PPO) OR
  • We can find the most affordable health insurance plan (PPO) and you can visit your current family Doctor ‘off network’. But visits will cost you a little more. OR
  • If it is not so important to stay with your current Doctor we can find you a range of affordable health insurance plans with networks in your location (HMO or PPO). The choice is always yours.

What will my monthly premiums be?

  • It may seem obvious, but it is entirely down to you and your circumstances!
  • On balance, you should plan to commit 10% – 15% 0f household income to healthcare.
    • You may choose a low premium and a high

personal exposure to the costs of services provided

You may choose to pay a higher premium and pay less of the service costs

       What is the deductible?

  • This is the health insurance industry equivalent of the ‘excess’ element of car insurance
  • It is the amount you pay ‘out of pocket’ before your insurance comes into play.
  • In principle the more you choose to pay ‘out of pocket’ the lower your monthly premium will be. Conversely, your monthly premium will be higher if you opt for a lower deductible
  • Your health insurance plan will step in as soon as your deductible has been exceeded and you will be liable for only the agreed share of the cost thereafter

       What do I get for my premium?

  • First you and your dependents have access to a ‘managed care’ system, usually an HMO or PPO
  • Under the Affordable Care Act (ACA) plan members are entitled to: –
    • Preventative care services which include screening for a number of common conditions
    • Counselling and vaccines
    • Preventative care benefits for women and children.
  • For a full list of the care and services see preventative healthcare services as outlined in Healthcare.gov
  • All health insurance plans available to consumers on the health insurance exchanges must cover the required services known as the ten essential benefits.

     What is a Co-pay?

  • Broadly speaking a Co-pay is one-time ‘admin fee’ for a visit to the Doctor, e.g. for a prescription.
  • Co-pays will vary depending on the service received and your insurer.
  • Co-pays do not usually count as deductible expenses. The cost of a prescribed medicine/treatment will be included in your deductibles. 

What is Co-insurance?

  • Co-insurance is all about sharing risk.  Your potential insurer will base their judgement on statistical data.  You must base yours on personal circumstances, expectations and affordability
  • The ‘metal plans’ give some indication of how the risk will be shared between you and your insurer:
    • Bronze           40/60
      • Silver 30/70
      • Gold                20/80
      • Platinum       10/90
    • They are a broad-brush estimate of the way in which costs will be shared.
    • They do not define the quality of service you will receive.(Check the star ratings of the plans you are considering)

Will pre-existing conditions affect my (our) acceptance on a plan?

  • If you enroll on the Health insurance marketplace you cannot be refused, or charged more, if you or any of your dependents has a pre-existing condition.  Depending on the insurer there may be an exclusion period. Your health insurance agent should clarify this.
  • You should be prepared to show records confirming the pre-existing condition.

If we travel on business or on vacation, are we covered?

  • If you travel regularly on business you should include this in your health plan.
  • If you take out of location vacations either in mainland USA or abroad you should consider specific short-term plans

Is the insurer you are recommending ‘A’ rated?

How does the plan you recommend score on the new CMS Quality Rating System?

FINALLY

With open enrollment on the horizon, make a copy of this blog. Fill in the blanks.

Take it with you when you meet your Health insurance agent.

Pin it on the wall if you are investigating ‘on-line’ or by phone.

Don’t just kick the tires – ASK the QUESTIONS!

PREVENTATIVE CARE SERVICES – the one ACA benefit that could save you a LOT of money

Make sure that you and your dependents have theprotection they need. ACA Open Enrollment 2020 is from 1st Nov-15th Dec 2019

One of the underlying concepts of the Affordable Care Act is the certainty that prevention is better than cure.

Early detection of a condition improves the likelihood that treatment will have a successful[d1]  outcome and lessen the possibility of an unaffordable future. medical and care costs.

The Affordable Care Act 2019 ensures that any Marketplace Health Plan must include ‘Preventative Care Services’ without consideration of co-payment or coinsurance.

Your health insurance, (monthly premiums) bought on an exchange, whether federal, state or private must include ‘Preventative care services’.

WHAT ARE PREVENTATIVE CARE SERVICES?

Preventative care is any medical service that reduces the risk of chronic (long term) condition.

BRIEFLY

Your Marketplace health plan offers you free access to doctor visits for annual physicals, well-woman appointments, and dental cleanings.

Some interventions/medicines are also considered to be preventive, for example, immunizations, contraception, and allergic conditions.

Preventative care includes screenings and tests for skin cancer, cholesterol levels, and colonic conditions.

BUT it is important to note that these services are FREE only if they are delivered by providers in your plan’s network.

Don’t underestimate the value of enrolling.

It might cost you nothing!

It could save you thousands

It WILL give you peace of mind

TAKE ACTION NOW! ACA Open enrollment- 2020 (for January 2020) is one day closer.!

Your Marketplace health plan will include the following services for you and your dependents

Screening and counseling:

  1. Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
  2. Alcohol misuse screening and counseling
  3. Blood pressure screening
  4. Cholesterol screening for adults of certain ages or at higher risk
  5. Colorectal cancer screening for adults 50 to 75
  6. Depression screening
  7. Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
  8. Diet counseling for adults at higher risk for chronic disease
  9. Hepatitis B screening for people at high risk
  10. Hepatitis C screening for adults at increased risk, and one time for everyone born 1945–1965
  11. HIV screening for everyone ages 15 to 65, and other ages at increased risk
  12. Syphilis screening for adults at higher risk
  13. Tobacco use screening for all adults and cessation interventions for tobacco users
  14. Tuberculosis screening for certain adults without symptoms at high risk
  15. Lung cancer screening for adults 55-80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
  16. Obesity screening and counseling
  17. Sexually transmitted infection (STI) prevention counseling for adults at higher risk

Preventive measures:

  1. Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
  2. Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
  3. Statin preventive medication for adults 40 to 75 at high risk
  4. Immunization vaccines for adults — doses, recommended ages, and recommended populations vary:

Further details HEALTHCARE.gov Preventive care for adults, from which this information is drawn.

OPEN ENROLLMENT (November 1st -December 15th  2019) offers you the opportunity to find the healthcare coverage under the affordable care act that meets your needs and is affordable.

In many cases the cost of monthly premiums are entirely covered by tax relief. The benefits of ACA preventive care are, without additional charge!

Contact our award-winning
customer service team.

1-888-505-1815

8AM to 10PM ET Daily

Attention

This website is operated by TrueCoverage and is not the Health Insurance MarketplaceSM website. In offering this website, TrueCoverage is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220 (c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance MarketplaceSM website. To see all available data on QHP options in your state, go to the Health Insurance MarketplaceSM website at HealthCare.gov.

Also, you should visit the Health Insurance MarketplaceSM website at HealthCare.gov if:

    • You want to select a catastrophic health plan.
    • You want to enroll members of your household in separate QHPs.
    • The plans offered here don’t offer pediatric dental coverage and you want to choose a QHP that covers pediatric dental services or a separate dental plan with pediatric coverage. Pediatric dental services are an essential health benefit.

TrueCoverage offers the opportunity to enroll in either QHPs and off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

If you’d like assistance in another language please dial 1-888-505-1815
If you are visually impaired, please visit the Federal Marketplace.

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