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Types of health insurance:
Major Medical
Medicare
Medicaid
Critical illness
Dental & Vision
Disability
Long Term Care
Major Medical
These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan. More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans.
These plans are provided on and off the ACA marketplace exchange. On exchange plans may qualify for tax credits or subsidies to help pay premiums and copays. Off exchange plans cover the same benefits but do not offer tax credits or subsidies to help with costs.
Keywell offers both on and off exchange plans. For more information and a quote use the quote link at the top of the page or call 336-596-0166, or email billykey@keywellfinancial.com
Medicare
Medicare is a federally funded and operated health insurance program originally designed for people who are 65 or older. Throughout the years, Medicare has expanded to include disabled people under 65 and those with special circumstances. The program is divided into four parts: A, B, C and D, and is the same nationwide.
Keywell offers Medicare Advantage, Medigap and Prescription drug plans. For more information and a quote use the quote link at the top of the page or call 336-596-0166, 336-933-4963 or email billykey@keywellfinancial.com
To explore medicare plans you can copy & paste this link and go to our plan enroll page to search and compare available plans in your zip code https://www.planenroll.com/?purl=KftpVXly.
or use this QR code
Medicaid
Medicaid is a federal and state program in place for low income families, seniors and individuals with mental or physical disabilities. People qualify for Medicaid by meeting federal income standards. The program is operated on a state-by-state basis, and may be called different names depending on where you live. In Minnesota, for example, Medicaid is called Minnesota Medical Assistance.
Medicare vs Medicaid and Can I have both?
Medicare and Medicaid are terms you often hear together. That’s because both are government programs. However, they work differently. There's another types of plan called a Dual Special Needs Plan (D-SNP). D-SNP plans include both Medicare and Medicaid benefits. People may qualify for Medicare, Medicaid or both, depending on their situation.
Keywell offers Medicare Advantage D-SNP plans. For more information and a quote use the quote link at the top of the page or call 336-596-0166, or email billykey@keywellfinancial.com
Critical Illness Plans
Critical illness insurance provides additional coverage for medical emergencies like heart attacks, strokes, or cancer. Because these emergencies or illnesses often incur greater-than-average medical costs, these policies pay out cash to help cover those overruns when traditional health insurance may fall short. These policies come at a relatively low cost.
Keywell offers different types of critical illness plans. For more information and a quote use the quote link at the top of the page or call 336-596-0166, or email billykey@keywellfinancial.com
Dental & Vision
Dental & Vision insurance have come a long way in the last few years. There are many options that can be used to supplement a major medicare or Medicare policy.For more information and a quote use the quote link at the top of the page or call 336-596-0166, or email billykey@keywellfinancial.com
Disability
Disability insurance is a type of insurance protecting against loss of income due to disability. Disability insurance is available through both public and private programs. Some of the variables affecting the cost of disability insurance include the strictness of requirements for qualifying under the plans; the amount of income to be replaced; the length of time in which benefits are paid; the medical history; and the length of time policyholders must wait before beginning to collect those benefits.
Keywell offers different types of disability plans. For more information and a quote use the quote link at the top of the page or call 336-596-0166, or email billykey@keywellfinancial.com
Long Term Care
Long-term care insurance usually covers all or part of assisted living facilities and in-home care for people 65 or older or with a chronic condition that needs constant care. It is private insurance available to anyone who can afford to pay for it. Long-term care insurance offers more flexibility and options than Medicaid.
Keywell offers Long Term Care plans through Annuity and Life Insurance Policies. For more information and a quote use the quote link at the top of the page or call 336-596-0166, or email billykey@keywellfinancial.com
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