Under 65 Health

If you are under age 65, you likely will not qualify for Medicare benefits. The only way to qualify before you turn 65 is through diagnosis of a qualifying disability. If you are not disabled, you will have to look to other outlets for health care coverage. Here are your options.

If you are employed or a member of certain organizations, you may have access to a group health plan. These plans are purchased by large groups and offered to the group’s members. Because there are many members in the group, the risk associated with providing insurance is reduced, making it less expensive for the beneficiaries. Because of this, we suggest holding group health plans as your first option.

Let Us Help You Maximize Your Insurance Needs

Medicaid is a public health insurance program that is administered at the state level. It supplies health care coverage to people who have a low income or significant need. To find out if you qualify for Medicaid, just give us a call. We can help you determine if Medicaid is the right path for you, and help you submit an application.

In 2010, President Obama passed the Affordable Care Act, which instituted a number of laws that set new requirements for the healthcare industry. Through it, new requirements were set for health insurance companies, making it easier for low-income Americans to access private health insurance. 

The Affordable Care Act also established a Marketplace for health insurance products. The Marketplace is an online exchange that can be used to browse health care plans in your area. It is regulated by government bodies and has set requirements that insurers must follow in order to list their plans. For instance, all insurance companies must provide health insurance plans at all of the metal tiers featured in the Marketplace. The metal tiers represent different levels of coverage, meaning all companies must offer plans for every cost tier. 

  • Marketplace plans also must cover a minimum of ten required categories of health care services, including: Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

The costs of these plans vary depending on what level of coverage you choose, your location, and the rules of the insurer. You can access the Marketplace on your own, but it is much easier to find health insurance with help. Reach out to T&T Insurance now to get help gathering quotes for Marketplace plans in your area. 

Find Insurance Solutions

Don’t hesitate to reach out to us. Waiting too long to get covered can lead to expensive health care costs if you aren’t careful, so if you’re in the Petosky, MI area, stop into our office. We’ll have the solutions you need to find a healthcare plan that works for you.