Flexible Health Insurance Solutions

Major Medical Health Insurance

A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Most major medical health insurance plans under the Affordable Health Care Act (ACA) offer 10 essential benefits that all plans must have (deductibles, out of pocket limits, RX, Maternity etc). These types of plans usually have no medical underwriting and can only be written during “open enrollment” or a “special enrollment period”.

Short Term Major Medical Insurance

This type of insurance is for a specified period of time, normally ranging from 1-11 months. Short-term plans typically do not cover any pre-existing medical conditions and require some sort of medical underwriting.

Limited/Fixed Benefit Plans

A type of plan with reduced benefits. These types of plans are not typically required to provide the same level of coverage as a major medical plan. Limited/Fixed plans will limit the amount of coverage the company will pay per episode of illness or accident. This type of plan has a cap on coverage when that cap is reached the insured is responsible for the balance of the bill.

Group Health Insurance

Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other types of groups that can get coverage) that covers all eligible employees and sometimes their dependents.

Life Insurance

A life insurance policy is a contract where the insurance company provides a lump-sum payment known as a death benefit, to beneficiaries in the event of the insured’s death, in exchange for a monthly premium. Typically life insurance is chosen based on the needs and goals of the owner.

Affordable Care Act (ACA)

If you are considering an Affordable Care Act (ACA) plan through the government website healthcare.gov, we’ve created a brief tutorial that walks you through the information they ask, finding a plan, and creating an account.

Critical Illness/Critical Care

Is an insurance product where the insurance company typically makes a lump sum cash payment to the policyholder for a diagnosis of a critical illness in exchange for a monthly premium. The most common critical illness are heart attacks, cancer, or stroke. These policies are great to supplement higher deductibles or help with outside bills incurred while recovering.

Accident Coverage

Is typically a lump sum cash payment to an insured when an accident happens. Accident coverage is great to help supplement deductibles and also help with bills incurred during recovery.

Dental

Dental insurance is designed to pay a portion of the costs associated with dental care. Dental policies come in all different forms. Generally, dental policies cover up to a max of $1500/year.

Vision

Vision insurance is a type of insurance that entitles you to specific eye care and benefits defined in the policy.

Medicare Supplement

Refers to various private health insurance plans sold to supplement medicare in the United States. The two types of supplement plans are medigap and medicare advantage.

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* By providing your contact information above, you consent to be contacted by an independent agent of American Health Plans for the purpose of offering and selling insurance products to you. Such agent may contact you via an autodialer, pre-recorded messages, or email. Your consent to this communication is not a condition of the receipt of any goods or services.

This website is operated by American Health Plans and is not the Health Insurance Marketplace website at HealthCare.gov. This website does not display all Qualified Health Plans available through HealthCare.gov. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov. Not intended for those eligible for Medicare. You need to be lawfully present in the United States and reside in the plan service area to qualify for medical coverage and/or subsidies. These policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued.

This is a solicitation of insurance. A licensed agent/producer may contact you. Coverage, products, and features may not be available in all states, may vary by state, and will vary by policy.  Rates may be higher due to tobacco use. Your rate and availability for this product will be subject to underwriting. Policies contain specific limitations, exclusions, termination provisions, and requirements for keeping them in force. Please see your policy or contact the insurance company for full details. Approval is based on your answers to the questions on the application and information obtained from other sources. All guarantees are based on the claims paying ability of the life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.

This is not a Long-Term Care policy.  This policy may not cover all of your medical or health care expenses.  This policy should not be purchased as a substitute for major medical coverage, Medicare, Medicare Supplement, or Medicare related health plans. Premiums may increase upon renewal.

This policy may not cover all costs associated with short term recovery care incurred by you during the period of care.  Increase in health care costs may reduce the value of this policy between the purchase date and the date you become eligible for benefits.

A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

In California American Health Plans does business as JKAR Insurance Agency, License Number OH40207