Medical Insurance

Having an individual health insurance policy is a necessity. Let Abel Insurance Agency help you sort out the confusion and create a policy that fits your life.

Individual Healthcare Coverage

If you don’t get healthcare coverage through your employer, or if you’re self-employed, individual health insurance is an absolute must. Don’t panic about the costs; plans can be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

Medical/Dental/Vision Insurance Coverage Options:

  • Individual Coverage
  • Group Coverage/Plans
  • Short Term Medical
  • Medicare Supplements
  • Medicare Prescription
  • Medicare Advantage
  • Disablity
  • Accident
  • Dental
  • Vision

and more... if you dont see the coverage you are looking for, please dont hesitate to contact us for more information!

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The 10 Minimum Set of Essential Health Benefit Categories are:

  • Ambulatory Patient Services
  • Emergency Services
  • Hospitalization
  • Maternity & Newborn Care
  • Mental Health & Substance Abuse Disorder Services, including behavioral health treatment
  • Prescription Drugs
  • Rehabilitative & Habilitative Services
  • Laboratory Services
  • Preventive & Wellness Services & Chronic Disease Management
  • Pediatric Services, including Oral & Vision Care

Level of Coverage for Each Plan Tier:

Plan labels will help you understand the level of coverage you are buying. Insurers can sell more than one plan in each of the categories. Standard Plans will have the same essential health benefits, which make it easier to compare between different companies based on price, doctor/hospital networks, customer service, and other factors.

  • Bronze: 60% coverage of expected costs
  • Silver: 70% coverage
  • Gold: 80% coverage
  • Platinum: 90% coverage