Are you self-employed, not currently offering a group health insurance plan to your employees, or do you have numerous part-time employees who do not qualify for coverage under your group health insurance program? If so, HMK has a new health insurance program available! We can now quote individual medical plans offered both on the exchange and off.
Medical Debt is still the #1 reason people file for bankruptcy in the United States. As healthcare costs continuing to rise in addition to premiums and plans becoming increasingly complex, quotes and answers to your questions are available at no cost. Use this opportunity to compare your current program with others, check on the availability of any advanced premium tax credits (subsidies) you may qualify for, and even apply for coverage over the phone or online.
The open enrollment window for individual and family health insurance plans available on the exchange and off officially begins on November 1st, and runs through December 15th, with the effective date being January 1st. If you do not purchase coverage during this time, you will not be able to get an individual health insurance plan until next year’s open enrollment period, unless you have a qualified life event (i.e. losing coverage, getting married, having a child, etc.).
This new program will also allow you to obtain options for Vision, Dental, Short term coverage (if you only need a plan for a specific period of time), Accident, and Critical Illness plans.
If any of these situations apply to you, please go to our website https://alerarefer.com/hmk , or call 1-833-395-0247 to speak to a licensed agent.
And as a reminder, if you or any of your friends, employees, or co-workers are turning 65 or over 65 and looking to retire, you can call or email Jim Knerr at HMK, and Jim can provide one-on-one guidance, quotes, and Medicare enrollment help.
Jim Knerr
Employee Benefits Advisor
