Individual and Family Health Insurance Plans

Choosing a health plan can be a daunting process. Whether Medicare health plans, or an ACA plan, it’s tough out there! Don’t let the process overwhelm you. Contact us today!

The Affordable Care Act, commonly referred to as ACA or “Obamacare”, established the new Health Insurance Marketplace. With the help of our independent insurance agents in North Carolina, we can help you apply for any tax credit subsidies you may be eligible for and get enrolled in the right plan at the right price.

Health Insurance Has Your Best Interest at Heart

Preventive care is typically covered at 100%. Your insurer wants to help you stay healthy by covering annual preventive exams at no cost to you. We will help you find a plan to help you stay healthy!

Need help in finding the ideal plan? Plans can be cheaper than expected when we shop and compare, and you’ll often have a lot of flexibility when it comes to costs. Contact us today at Total Protective to find what works for you and your family!

The Four Areas to Compare When Shopping for Health Insurance

  • Copayments are the percentage, if any, you pay toward hospital or medical bills before your insurer picks up the remainder.
  • Deductibles are how much you’ll pay out-of-pocket before your plan kicks in.
  • Out of pocket maximum: the limit of all your deductibles, copayments and coinsurance. If you reach the limit set by your insurance company, you are protected from any more out of pocket expenses.
  • Specifics on your coverage on medical services, treatment, and prescription drugs.

Terminology may be confusing, especially if this is new to you! Our services are free, and we are here to help you before, during, and after your enrollment process. Reach out to your Total Protective independent agent today to get started – call (919) 455-6009.