HEALTH INSURANCE

AFFORDABLE CARE ACT PLANS

The Affordable Care Act, also known as "Obamacare", was developed to help individuals access affordable health insurance through a health insurance marketplace where Americans can purchase federally regulated and subsidized health insurance during open enrollment.

In order to qualify, you must sign up during Open Enrollment but could still be eligible if you had a qualifying life event such as changing jobs, getting married/divorced, moving, etc. We’ll help determine if you are eligible and find you the best plan in any case.

Finding the right plan can be difficult. Each plan has its pros and cons, especially considering how costs can greatly range - depending on the plan's deductibles, co-pays, premiums, provider networks, to name a few.

Delaney Health Plan Solutions works with dozens of health insurance carriers and brokers, making it easy for you to compare several health insurance options. To get started, enter your zip code and tell us about yourself. If qualified for an Affordable Care Act health plan, you can work with all of the health carriers listed to compare plans and prices. Once you provide us with the information required on our form, we attempt to match you with appropriate insurance agents, brokers, carriers or other service providers to help you acquire the best health insurance.

STAND ALONE DENTAL

Stand alone dental plans are considered “excepted benefits,” and various statutory and regulatory standards apply differently to them than they do to medical qualified health plans (QHPs).

SADPs are excepted from the insurance market reform provisions of the Public Health Service Act, including the amendments made by the Affordable Care Act.

Exemptions from the Affordable Care Act’s market reform provisions for SADPs include, but are not limited to: medical loss ratio standards; rating standards related to age, family size, rating area, and tobacco; and guaranteed availability and guaranteed renewability standards.

All SADPs certified by a Marketplace must cover pediatric dental essential health benefits (EHB). Depending upon the state’s benchmark plan, these could include:

  • Dental Check Up

  • Basic Dental - Child

  • Major Dental - Child

  • Medically Necessary Orthodontia - Child

STAND ALONE VISION

Eye health is important, but the benefits of vision care coverage extend well beyond that. Here are four potentially unexpected ways it can benefit both individuals and society as a whole.

If you wear contacts or glasses, you’ve probably experienced how frustrating it is to squint to see everything around you. Vision care helps people avoid this pain point – and many more – by receiving affordable access to ODs at all times.

And frustration isn’t the only hindrance poor eye health can cause. Dry eyes and eye strain – and of course, more serious eye conditions – contribute to headaches, itching, back and neck soreness, and light sensitivity.

It’s easy to see how vision care can benefit all – from an employee avoiding a headache at work, to an SMB boosting its competitiveness and cost efficiency, to leveling the racial and socioeconomic healthcare playing field.

Here at Delany Health Plan Solutions we pride ourselves on finding the right plan to fit your needs.

Not connected with or endorsed by the United States government or the federal Medicare program or any federal agency. Insurance solicitation. We do not offer every plan available in your area. Currently we represent at least 10 organizations which offer at least 72 products in your area. Please contact Medicare.gov, 1- 800 – MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. The insurance services described on this web site are provided by The Medicare Navigators, a GMIA, Inc. company. GMIA, Inc. is contracted with and may receive compensation from the insurers listed on this website. For more information, please consult our Privacy Policy. Not all plans are available in all regions. This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker. Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information.

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