Insurance made easy.
Individual and Family Health Plans
Medicare and Medigap Plans
Individual and Family Health Plans
Medicare and Medigap Plans
We represent many major insurance carriers.
We are forever on your side.
AI is all the rage these days, but can AI alone offer you the best health insurance shopping experience? We believe good, old-fashioned human help combined with modern technology is what users actually want and need when looking for insurance, and at Coverage One Insurance our licensed insurance agents offer us that.
We have built our process to give you the best of both worlds. The care and attention you get with an individual agent and the support of a large agency with resources and carriers you need to make sure your needs are covered when you need it the most.
Buying health insurance should be simple—not overwhelming and time-consuming. With us, all you need to do is fill out a short health profile and we’ll do the hard work of finding you a suitable plan. After that we’ll stay with you every step of the way—from sending in your application to submitting claims. No gimmicks; no confusion. Just 100% human help.
One-on-one support
Our licensed agents are there to walk you through the insurance buying process, and to answer any questions you have along the way.
Major Carriers. Many Options.
As licensed insurance agents, we help you find a suitable plan for your wants, needs and budget.
Friends for life
When we help you find a suitable plan, we’re forever on your side. We’ll always be available to help with questions or concerns you have about your insurance. Give us a ring anytime.
How We Work
Easy as One, Two, Three
Fill out your health profile
Let us know a little bit about you so our licensed agents can help you find a suitable plan. Don’t worry—this only takes a couple of minutes and is confidential.
Speak to a Licensed Agent
Once your profile is filled out, an agent will review your information and present you a list of plan options selected with your needs in mind.
Get Insured
Once you’ve chosen your plan, your licensed insurance agents will send your application off to the carrier for approval. It’s as simple as that.
Insurance for humans
At Coverage One Insurance, we’re committed to being there for you.
Health Insurance FAQ
You can enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period or shop on the private market. Click here to see if you qualify for a plan. Where can I find 2020 plans and prices? Simply fill out the health coverage review and a licensed agent in your state will contact you to go over your options.
Health insurance helps you to manage the costs of your family's care, including regular doctor's visits and unexpected illnesses and injuries.
Just one serious illness, or an emergency procedure can have dire consequences for your financial portfolio if you aren’t insured properly. Health insurance coverage may seem expensive, but if you compare your premiums to the cost of surgery and other medical procedures out of pocket, there’s no question that healthcare insurance premiums are far lower in cost.
Also, having adequate health insurance can help you live a healthier, longer life. These policies cover preventive care, which helps you manage your health proactively, and covered routine testing can help with early detection of common conditions and diseases, such as diabetes, heart conditions, and thyroid problems, which can require much more extensive and costly care if they go untreated.
By contrast, if you are uninsured, you’re less likely to visit the doctor. The cost of a routine examination for the uninsured can be costly and can be a disincentive to take charge of your good health
When you begin to search for health insurance, you can look on the private market or through your state's healthcare exchange. For those who are new to the process, it can be overwhelming. Start by assessing your needs. If you’re prone to illness, play high impact sports, or have a risky profession, it may be better to have a co-pay plan rather than one with a high deductible.
If you have children, the plan that is most beneficial to you may be different from the ideal plan for someone who is single with no kids. If you have a favorite doctor, make sure that doctor is “in-network” if you opt for an HMO. You also need to think about your budget, and whether a plan that involves coinsurance or higher deductibles makes the most sense for you. By assessing your needs and comparing plans, you can find an affordable healthcare plan that meets your needs.
Many people don’t know where to start because the number of plans and variety of coverage options is very confusing. A Coverage One Insurance agent who specializes in health insurance is an excellent resource. These agents can help individuals and families to review a range of plans from different health insurance companies and choose one that will help with preventive care and major medical care at an affordable cost.
Medicare FAQ
Medicare is the federal health insurance program for individuals who meet specific eligibility requirements. You must be age 65 and an American citizen or legal resident for the last five years prior to enrollment. If you are on disability, receiving Social Security or Railroad Retirement Board benefits, or have a qualifying medical condition, you may be eligible for Medicare benefits prior to your 65th birthday.
There are various plans under the Medicare system and most individuals receive free hospital coverage under Part A. For a monthly premium, Part B can provide routine medical care, and additional supplements are available to help offset the cost of prescription drugs, dental, and vision expenses.
Eligible individuals are automatically covered under Part A, and depending on your specific circumstances, you may choose to opt out of Part B if you have health insurance through a spouse or employer. A range of additional Medicare plans are available and should be considered based on a variety of factors including your medical needs and current level of income.
Medicare Part A is typically free of charge for all eligible individuals. All other plans may have monthly premiums associated with them based upon your income and tax status. Keep in mind that Medicare plans do not entail 100% coverage but rather are designed to offset the expenses associated with a visit to a Medicare provider.
Most Medicare plans will include an annual deductible and many require a coinsurance payment. It’s best to become familiar with your specific benefits so that you have an accurate understanding of what your out of pocket expenses may be for various supplies and services.
Your changes do not go into effect immediately, however, but instead begin on January 1 following the Annual Election Period. Individuals who are currently enrolled in Medicare Advantage and want to change to Original Medicare but did not do so during the specified period can make this change during the Medicare Advantage Open Enrollment Period. This provides a 3-month window for beneficiaries in an MA plan to make a change in their enrollment if they are dissatisfied with their choice during the AEP.