East Coast Health Insurance
Welcome to East Coast Health Insurance, a broker of health insurance plans throughout the United States. Headquartered in South Florida, our company entered the online health insurance market three years ago, and has been selling policies through our brokerage for over a decade. With an emphasis on personal attention and care, we specialize in individual and family plans, though we also sell life, Medicare supplemental and group health insurance from the nation’s top carriers.
Our agency is proud to offer plans on the health insurance marketplaces, and provide resources on the Affordable Care Act to help you better understand the new laws. Visit our Obamacare site for more information on coverage requirements and saving money on health insurance.
We care about protecting and improving the lives of our customers and readers by encouraging a healthy lifestyle. We also provide tips for getting the most out of your health plan, and offer local outlets for health and wellness near you. Visit our Wellness site for resources on staying healthy, smart and covered. Take care of yourself, save money and enjoy life!
Nationwide Health Insurance Quotes
Call Us Now 888 803 5917
Shop Online for Health Insurance on Our Secure Website
While navigating through the site, you have the opportunity to receive a free health insurance quote in a matter of seconds on each page. Provide a few pieces of information and you have immediate access to personalized rates from each of the most revered health insurance companies in your region. We only choose to sell the highest ranked, accredited, and trusted names in each market. Tracking current company performance, ratings, and reviews, a contract will not be obtained or renewed if an insurer has not met our standards.
Discover your options, narrow down the selection and choose the best plan to fit your needs. East Coast Health Insurance guarantees your security and privacy when purchasing a plan throughout the entire process. Once you select a plan, you will be directed to that company’s secure site to finish your application securely and in compliance with HIPAA laws.
Need assistance? Our team of licensed agents is standing by from 9:00AM – 9:00PM EST to offer an honest, professional opinion on each company, and the type of plan that will suit you best. Each of our agents is well aware that health insurance is not a frivolous amenity, therefore ensuring you walk away with a plan that offers the most benefits for the lowest cost. Keeping the unique qualities of each individual in mind, an agent is your gateway to coverage, eliminating the guesswork and providing real solutions. Speak with one of our agents at 888 803 5917.
As you will find while browsing our articles, the aim of our company is to educate and guide you toward the most affordable health plan, as well as being an open book on this industry. We have done our very best to leave no stone unturned when discussing the multifaceted and evolving world of health insurance, and appreciate your feedback if you feel any questions have not been answered through our resources.
We also understand that millions of Americans are unable to afford the cost of health insurance, and invite you to browse the latest information on free, government-sponsored health plans such as Medicaid, and resources for free or low cost medical care. If getting insured has been an obstacle because of your health, our site will guide you to your state’s high-risk pool to make sure you get the coverage you need. Also, under the Affordable Care Act, you can now purchase coverage from any insurer you choose, regardless of your health. Our belief is that everyone is entitled to health insurance, and we are dedicated to giving you current, relevant information, whether you wish to purchase a private plan from us or need to go another route.
We are also licensed to quote and sell plans on the health insurance marketplace in various states, as our agents are certified and can help you apply through our quote engine, Quotit, which received approval from the Centers for Medicare & Medicaid Services (CMS) as a Federally Facilitated Exchanges Web Broker Entity (FFE WBE). As Quotit is connected to the federal data hub, East Coast Health Insurance agents can find out if you qualify for a plan on the exchange and tax credits to reduce your premium and medical costs. From there, we can help you apply for coverage through federally-operated exchanges, and apply the proper subsidy to your plan all in one place.
Find information specific to your region. Visit our States section, where we impart our knowledge and research on companies, the current individual and family health insurance market in your city, laws, public health plans, and more in explicit detail.
Get a thorough introduction. Health 101 offers education on all things health insurance. This section is a continually growing textbook with insights and explanations from underwriting guidelines to defining a copayment. For a quick resource of definitions, check our Glossary.
Know your rights as a policyholder. Find out about the health insurance Laws in our nation and how they affect each of us personally. View the various consumer protections in health insurance, whether you need clarification on health reform or HIPAA.
Find the best health insurance plan in your city. Fill out a quick Quote and view personally tailored rates from each health insurer available in your region. Through our quote engine, you can view plans according to deductible, premium, or company, and view the benefits and details of each plan. Compare rates from different companies side by side to find the most affordable plan.
Health Reform Updates
Are you confused by the health care reform bill that passed in 2010? Well, you are not alone. Unfortunately, many of the politicians that passed it don’t understand it either. Since the Supreme Court ruling in June 2012, the law has been upheld, though a number of changes have been made. In our favor as a country, we can plan on receiving more coverage from more sources and making sure each American has a health plan. However, the low-income population was not as fortunate after the case closed, as Medicaid expansion is now optional. Due to the number of changes that have been made, it is perfectly understandable that anyone could need clarification on these newly updated laws.
In the meantime, East Coast Health Insurance can and wants to help you sort through all of the options that the new bill gives you as they become available. From exchanges to dependent coverage up to age 26, we are here to answer your questions.
Do keep in mind though, that the main thrust of this bill does not go into effect until 2014, so coverage is not yet available to everyone, and your premiums are definitely still rising. The good news is that we can usually get everyone some kind of legitimate, actual health coverage even if there is a waiting period.
Overview of Health Insurance Reform Changes
As of 1/1/2011 the new changes in health insurance include:
The caps on lifetime benefit limits being removed – affects everyone with lifetime limits. This is for people that had lifetime maximum benefits of say $2 or $5 million; they now have unlimited plans.
Children’s health insurance – Insurers cannot deny children under age 19 for medical conditions, and they must allow families to keep adult children on plan till age 26 without constraints.
The Medical Loss Ratios on health insurance only affects health insurance companies and health insurance brokers, but if you are interested, basically it means that 80% of expenditures must now be on health care costs, and only 20% can be towards administration (including broker commissions), whereas before there were no such ratios.
High Risk Pools – In order to qualify for these outrageously expensive plans you must have been declined by a health insurance company and uninsured for 6 months. Thus the enrollment for these plans has been very low.
Keep in mind that in 2010 families saw health costs increase 14% before the passage of these new rules. It will be interesting to see the 2011 effects on premiums.
As of 9/23/2010 there have been some major changes to health care under this current administration. Hopefully, for most people these changes are positive, and here they are:
1. Effective immediately, all new medical plans must give parents the right to leave their unmarried dependents on their health insurance. These premiums cannot be higher than any other dependent on the policy. Older plans will update on their renewal date, or sooner if the carrier decides.
2. Preventative care – There are no longer co-pays or deductible requirements for checkups or breast cancer screenings, annual blood-work etc. Sadly, old, grandfathered plans are exempt.
3. Insurers must cover children’s preexisting medical conditions. However, they are not forced to accept children (this is misinformation) and many are actually no longer offering child-only policies to avoid this on the individual side.
4. No more rescissions! This is great news, though you might still get nabbed for leaving information off of applications when the insurer refuses your claims.
5. Clients can pick their own doctors from the list of approved plan providers. Most companies already followed this so it is not significant.
6. A favorite here at East Coast: No additional or higher co-payments required for emergency room when out-of-network. Grandfathered plans are also exempt here.
7. No more annual benefit maximums on policies. (There may be an exception for mini-meds, however, East Coast Health Insurance doesn’t recommend these for anyone except travelers.) This has been phased in, currently at $2 million for 2013 and will no longer apply by January 1, 2014.
The New Health Insurance Marketplace
According to the Patient Protection and Affordable Care Act, or ObamaCare, all 50 states are required offer health insurance through a state- or federally-run organization by January 1, 2014. Enrollment begins October 1, 2013 for these policies that feature all of the new law’s benefits, such as nondiscrimination for health problems, medical history or gender.
Our agents can help you apply for the exchange in your state, as they have completed training and have access to the federal exchange database through the Quotit technology platform.
You will qualify for a plan on the exchange in your state, which is an online marketplace for individual and small group health plans, if:
- You do not qualify for coverage with your employer
- If your employer’s health insurance is too costly
- If your employer’s health insurance doesn’t meet basic requirements (minimum essential coverage)
Target Audience for the Exchange
Health plans on the exchange are geared toward individuals who don’t have access to coverage through an employer. If your income is within a certain range, you may qualify for a reduced monthly premium through a tax credit provided by the government. Subsidies are also available to lower the cost of medical care for those who are eligible through an exchange. These perks and discounts are exclusive to individual health plans on the exchange only, not in the private market.
State Marketplace Models
Each state was given the option of how to set up their exchange, with three different models to choose from. The style of marketplace each state chooses to set up determines the amount of control each state has over its marketplace. States have either chosen one of the following three models:
- State-Run Facilitator: The state operates their marketplace according to federal guidelines. Any health insurance company that qualifies to sell plans on the exchange based on state and federal criteria may offer their products. Health plan carriers participate in an open market, competing for customers.
- State-Run Active Purchaser: The state is responsible for running this exchange. Asking for bids from health plans, the state selects the plans it chooses to sell. State exchange officials negotiate with insurers to determine pricing and plan features.
- Federally-Run: The state defaults their exchange to the federal government, leaving control to the Department of Health and Human Services. Health insurance companies compete in an open market in this model.
Exchange Health Plan Coverage Levels
As with the current individual health insurance market, there are multiple levels of coverage to choose from on the exchange. The marketplace has established four coverage types featuring 60 to 90 percent coverage for health care costs, with premiums varying according to the amount of coverage you buy. Bronze plans will offer the most affordable premiums, while cost sharing will be greater than other plans at 40 percent. Platinum policies will provide the lowest cost sharing, but have higher monthly rates.
90 percent coverage for medical care
Highest premium rates
80 percent coverage for medical care
Next highest monthly rates
70 percent coverage for medical care
Moderate monthly premium
60 percent coverage for medical care
Lowest premium cost
Services Offered to Exchange Consumers
Guidance and Assistance
In order to assist people in their search for coverage on the marketplace, call centers and the exchange website will be manged by the state’s exchange workers. Those who work for the exchange, educating consumers on how to use the marketplace, find a plan and apply for tax credits are called “navigators” and will be available in each state. Additionally, many licensed health insurance agents are qualified to help you apply for exchange plans, once they have completed training and become certified. Our agents are qualified to quote and sell plans on the exchange, and have the technology to get you coverage with financial assistance, or let you know whether you’re eligible to begin with.
Details about each available health insurance policy can be viewed online through the exchange’s website or through an approved agent or broker, such as East Coast Health Insurance. Here you can find a break down of different deductibles, coinsurance and premium rates from the insurers in your area. You are able to choose plans based on the information provided on the site.
Like applying for a private health plan, information will be collected regarding income, citizenship and insurance coverage to determine eligibility for plans on the marketplace. The majority of Americans will qualify. Individuals in prison or without legal residency in the U.S. will not qualify, and if you earn over a certain amount, you may not be able to receive a tax credit or subsidy.
How to Enroll
Exchange staff is required to assist individuals with enrolling in health plans if they are unsure how to do so. Additionally, they are required by HHS to transmit data between the state and health insurers to find out if an applicant qualifies for tax credits and discounts on medical expenses.
Exchange Options Based on Income
Group 1: 100-400% FPL
Qualifies for financial assistance (tax credits and/or subsidies) and MUST purchase coverage on the exchange in order to receive tax credit. May also be eligible for Medicaid, depending on the state of residence.
- Individual earning $10,830 to $43,336 per year
- Family of 2 earning $14,570 to $58,280 per year
- Family of 3 earning $18,310 to $73,240 per year
- Family of 4 earning $22,050 to $88,200 per year
Group 2: Greater than 400% FPL
Can purchase coverage on or off the exchange, as they will not qualify for a tax credit.
- Individual earning more than $43,336 per year
- Family of 2 earning more than $58,280 per year
- Family of 3 earning more than $73,240 per year
- Family of 4 earning more than $88,200 per year
Group 3: Choose to Pay Penalty
2014: Greater of $95 per adult, $47.50 per child (maximum of $285 per family) OR 1% of household income
2015: Greater of $325 per adult, $162.50 per child (maximum of $975 per family) OR 2% of household income
2016: Greater of $695 per adult, $347.50 per child (maximum of $2,085 per family) OR 2.5% of household income
What We Do For You
We are the most trusted name in online health insurance quotes, and we only sell the plans that we would have on ourselves. We are standing by at 888 803 5917 to answer all of your questions about health insurance. Even if East Coast Health Insurance did not sell you the policy, or if you have a question that isn’t related to buying a new health insurance policy, we will answer your questions and help you as much as we can for no charge.
Don’t take a chance on a small company or some affiliate marketing company that sells your information to other companies. Many other health insurance brokers will only offer products that benefit them and not you, while we carry only approved companies that are selected based on our very tough criteria.
ECHealthInsurance.com is known for telling it like it is, and our reviews and recommendations are based on what is best for you, not for East Coast Health Insurance. We pride ourselves on honesty and doing the right thing. We will always answer all of your questions about Medicaid, KidCare, or any subject that we can. All of our brokers are extremely knowledgeable about the ins and outs of COBRA, HIPAA, and all of your options, just when you think you don’t have any left.
We will get you coverage, because we believe that health insurance is a right, not a privilege.
How To Buy Health Insurance
If you don’t currently have a health insurance policy, then we can get you quotes with every reputable medical insurance company in the United States. East Coast Health Insurance also offers health insurance quotes with every type of individual, family, and group health insurance plan, from the new Health Savings Account plans (HSAs) to the more traditional HMO, PPO and POS plans. We stay abreast of the latest developments in health insurance and offer the newest individual health insurance companies and plans to the individual and group health insurance market.
To begin the process of purchasing a plan, we recommend filling out our quote page to see which health insurance plans are available in your part of the country, and what new plans are in your price range. Just click on any of our health insurance quotes buttons or links and you will instantly see all of the major health insurance companies in your state. You are also welcome to call our licensed agents, who are trained to help you find a plan, or tell you what to do next if you qualify for government assistance.
Additionally, if you are frustrated by Medicaid or a County Health Plan, our agents are equipped to help you sort through the Government Aid programs available in your state.
How to Select a Plan
If you have a choice of plans through your employer or you are purchasing your own coverage, it’s important to understand your choices and pick the plan that is right for you and your family. There are several questions to ask when reviewing health insurance plan options:
- How affordable is the cost of care?
- How much are monthly health insurance premiums?
- How much are the deductibles?
- Are the co-payments or co-insurance flat fees or percentages of service fees?
- What out-of-pocket expenses have to be paid before the plan begins reimbursement?
- How does the reimbursement process work?
- What is the cost of out-of-network care?
Does the plan cover the services that I may use? For example:
- Doctors, hospitals, laboratories and other health insurance network professionals
- Out-of-network care
- Treatments for pre-existing medical conditions or chronic conditions
- Prescription drugs
What is the quality of the health insurance plan? Research factors of the plan such as:
- Ratings of the plan by independent government and non-government organizations
- Accreditation from groups like the National Committee for Quality Assurance (NCQA) or the Joint Commission on Accreditation of Healthcare Organizations (JCAHO)
- Patient complaints
- Member drop-out rates for the plan
- Other patient experiences with the plan
- Doctor experiences with the plan