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HEALTH CARE SOLUTIONS

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Affordable Care Act (ACA) Health Insurance Benefits and Coverage

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Individual and Group Plans

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Fixed Indemnity Plans

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Major Medical Coverage

We provide Major Medical Coverage through Blue Cross Blue Shieid and United Healthcare which are approved ACA plans.

Major medical ACA-approved health insurance plans provide the most comprehensive coverage available, meeting all federal Affordable Care Act (ACA) requirements. These plans cover the 10 essential health benefits—including hospitalization, emergency care, preventive services, prescriptions, maternity, and mental health—and protect clients with no lifetime or annual benefit limits. They are guaranteed issue, meaning no one can be denied due to preexisting conditions, and they include an annual out-of-pocket maximum that caps what members pay for covered care. While premiums can be higher than alternative options, ACA-approved major medical plans offer the strongest protection against unexpected and catastrophic medical expenses.

Alternative to Major Medical

Fixed Indemity Plans can be an attractive alternative for healthy individuals and more cost conciense folks.  It is important to know the difference an our experts at Aymond Agency can explain the pros and cons to help you decide which insurance is best for you.  Sometimes major medical and fixed indemity can be used in conjunctionto provide maxium benefit.

Our Fixed Indemity Plans are offered through New Era Life.  These plans offer affordable alternative health insurance solutions designed to give families and individuals flexible coverage at a lower cost than traditional major medical plans. Their plans typically provide first-dollar benefits with no copays, no coinsurance, and no deductibles on certain services, along with nationwide provider freedom and fewer pre-authorization requirements. By focusing on fixed benefit payouts and streamlined plan designs, New Era helps clients save 40–50% compared to many major medical options, making healthcare more accessible while still providing meaningful protection for everyday needs.
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Additional Coverage Options

Long Term Care Insurance 

 

In a perfect world, accidents would not happen. But when they do, know that you have additional coverage to help get you back on your feet.

Critical Illness 

 

In a perfect world, accidents would not happen. But when they do, know that you have additional coverage to help get you back on your feet.

Prescription Coverage

 

Our Carrier provides you predictable prescription coverage, on over 300 medications. No longer will you have to decide between putting food on the table and your medication. Get with us today, we may be able to help you save on your maintenance medications. This would include high cholesterol, high blood pressure, or diabetic medications. Our savings does not stop there, we can also save on your over the counter prescriptions such as Tylenol, Aspirin, Calcium, Vitamin D3, B12, Multi Vitamins and many more.

Accident Insurance 

 

In a perfect world, accidents would not happen. But when they do, know that you have additional coverage to help get you back on your feet.

Accidental Death Insurance 

 

In a perfect world, accidents would not happen. But when they do, know that you have additional coverage to help get you back on your feet.

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