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 seven 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 section for more information on coverage requirements, saving money on health insurance, and the latest news on the Affordable Care Act.
Did You Know?
The Supreme Court upheld the health law on June 25, 2015, which allows current and future customers of Health Insurance Marketplace plans to receive and apply for affordable coverage. The ruling approved the use of subsidies, or tax credits, to lower monthly payments for Americans with low to moderate income.
Open Enrollment 2016
Be prepared! Your next opportunity to change plans or apply for coverage without a qualifying event starts November 1, 2015.
The date of your enrollment will determine your start date for coverage.
|Member enrolls||Effective date of coverage is|
|Nov. 1, 2015 to Dec. 15, 2015||Jan. 1, 2016|
|Dec. 16, 2015 to Jan. 15, 2016||Feb. 1, 2016|
|Jan. 16, 2016 to Jan. 31, 2016||March 1, 2016|
Please note that under the Affordable Care Act, most individuals must have minimum essential coverage to avoid a tax penalty.
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. We offer plans on and off exchange, which means simply, that we can sell plans to people that qualify for subsidies and those that don’t.
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 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 Insurance Marketplace
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 our quote engine.
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)
Who Should Shop Marketplace Health Plans?
Health plans on the exchange are geared toward individuals who don’t have access to coverage through an employer and may qualify for financial help.
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.
About ACA Health Plan Metal Tiers
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
Guidance and Assistance
Our 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.
Income, citizenship and any insurance coverage questions help to determine eligibility for Marketplace plans. 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
Call a licensed insurance agent at our office to help make your application a breeze. Otherwise you may call the Marketplace directly, which is not recommended as navigators do not carry insurance licenses or fully know their products.
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 on and off exchange, Medicaid options, 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
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 and save some money!