Don’t risk a financial setback due to medical bills. Let us help you find the best health insurance coverage for your needs.
Did you know that a large percentage of bankruptcy cases are due to medical bills, along with the loss of income because of a medical situation? Even the passing of the Affordable Care Act has not eliminated the potential for this dire outcome. You can protect yourself from this financial setback by working with us at Legacy Insurance Partners to have the right health insurance policy for you and your family’s needs.
No two families are the same when it comes to risk tolerance, health, and the other factors involved in obtaining the right health insurance coverage. Our team has specialists in this area of insurance who know how to best match you with one of our health insurance carriers. Our solution-focused consultative approach provides you with practical options and we remain helpful whenever you have questions about your health insurance, need to make a change, or it is time to renew your plan.
While we work with companies and the self-employed to develop medical insurance coverage, we are also equipped to find you the best individual health insurance or Medicare supplement for your situation. By working with a variety of health insurance carriers, including Aetna Health Inc., BlueCross and Blue Shield of North Carolina, CIGNA, United Health Care, Assurant Health, and others, we can find the most affordable option with the right coverage for you and your family.
If you would like to work with a trusted health insurance advisor who will put your best interests first, reach out to us today. With representatives serving the communities of Asheville, Davidson, Greensboro, Hickory, N. Wilkesboro and Raleigh, North Carolina, our team is available to partner as your trusted insurance advisor with exceptional, customized personal insurance services.
Understanding Your Options with Marketplace Health Insurance
The Affordable Care Act requires everyone in the United States to have healthcare coverage for themselves and their family.
You may have questions about Open Enrollment or whether you might qualify for a Special Enrollment Period (SEP). Therefore, we offer free consultation to answer your questions and help you enroll for the insurance coverage you need.
Health & Benefits
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Open Enrollment
Annual Open Enrollment for individual health insurance occurs from November 1st through December 15th. This is the time of year to sign up for a Health Insurance Marketplace plan, change plans, or renew your plan. Based on household income, many individuals and families qualify for a subsidy to reduce cost. Download our ACA Flowchart to determine whether you qualify. If you already have insurance through the Marketplace and you have experienced a change in your household income or status such as a marriage, birth, or death, you are required to update your income during this time. Anyone under 65 who does not have health insurance through the Marketplace, a private plan, or an employer is subject to a government penalty. The penalty for 2019 is $0.
How We Can Help You
We offer free individual health consultation for you during Open Enrollment. Are you changing a Blue Cross plan or are coming to the Marketplace for the first time? We provide practical options and help you decide which is best for your financial and medical needs. Often, we can discover a more affordable health plan. We assess which plan can work for you and determine whether you qualify for a subsidy or a cost-sharing reduction. Finally, to obtain health insurance with Blue Cross and Blue Shield through the Marketplace, there are some documents you will need to complete your enrollment.
Make an Appointment
We are happy to help you through the enrollment process. Please set up an appointment with a Licensed Health Insurance Agent through our calendar below.
We do not offer every plan available in your area. Currently we represent 6 organizations which offer 47 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
With health insurance representatives serving the communities of Asheville, Davidson, Greensboro, Hickory, North Wilkesboro, Albemarle, and Raleigh, North Carolina, our team at Legacy Insurance Partners is available to partner as your trusted personal insurance advisor utilizing a consultative approach.