HEALTH INSURANCE PLANS TAILORED FOR YOU
Choosing the right health insurance plan doesn’t have to be complicated.
At CK Health Solutions, I offer personalized guidance and access to a range of options to meet your needs. Whether you’re looking for individual coverage, family protection, or a plan for your business, I make sure you understand your choices and select the one that works best for you.
TYPES OF PLANS
Individual Plans
Health insurance for individuals provides coverage tailored to your personal needs, ensuring you’re protected for doctor visits, prescriptions, emergencies, and more. These plans are perfect for self-employed professionals or those without employer-provided coverage.
Family Plans
Protect your loved ones with comprehensive family coverage that includes doctor visits, preventive care, and specialist services. I’ll help you find a plan that balances affordability with full family protection.
Business Plans
Offering health insurance for your team is a great way to attract and retain talent. I provide customized group plans for small to medium-sized businesses that offer flexibility and value for your employees.
PPO & HMO NETWORKS
Preferred Provider Organization (PPO) networks give you flexibility by allowing you to visit any doctor or specialist, even out-of-network, without a referral. This means you have more control over your healthcare decisions.
PPO vs. HMO
PPO Plan
HMO Plan
Offers greater flexibility nationwide, no referrals needed and wider access to providers.
Requires choosing a primary care physician and staying within a network for lower costs.
Feature
PPO
HMO
Network Flexibility
Nationwide
Limited to in Network
Specialist Access
No Referral Needed
Referral Required
Cost
Customizable
Based on coverage
HEALTH-BASED PLANS
Health based plans underwrite people on the front end and insure people based off of their medical history.
If I can get you approved on these plans, they are typically more affordable and offer Major PPO Networks.
This is a way to get coverage Nationwide.
Health-Based Plans
Health-Based are underwritten, so there is an application process because not everyone may qualify based on their health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.
Comprehensive Coverage
Underwritten plans are in design the opposite of the ACA/Obamacare plans. They do not insure everyone and they do not cover maternity, mental health and or alcohol and
drug rehabilitation.
Nationwide Coverage
Nationwide coverage, on and off the job. They are PPO plans so you are not limited to coverage in your zipcode/county like many plans.
AFFORDABLE CARE ACT (ACA) OBAMACARE PLANS
The ACA Marketplace provides government-regulated health plans, often with subsidies to help lower-income individuals and families. ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. I’ll help you determine if a marketplace plan is the right fit for your needs or if private insurance offers better value and coverage.
Comprehensive Coverage
All marketplace plans cover the essential health benefits, such as maternity care, mental health services, and chronic disease management. These plans also protect you from high out-of-pocket costs.
Health Insurance Marketplace
The ACA Marketplace is a government-run platform where individuals and families can shop for standardized health insurance plans.
It ensures access to essential benefits like preventive care, emergency services, and prescription drugs.
Financial Assistance
Depending on your income, you may qualify for premium tax credits or subsidies, making your monthly payments more affordable. I’ll help you understand your eligibility and maximize these savings.
COST STRUCTURES SIMPLIFIED
Monthly Premiums
The amount you pay every month to maintain your insurance coverage.
Deductibles
The upfront amount you need to pay before your insurance starts covering expenses.
Out-of-Pocket Max
An out-of-pocket maximum is the most you'll have to pay within a year for health care services.
Copay
Copay: A fixed fee for services like doctor visits or prescriptions.
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Fixed Indemnity Benefit
Fixed benefit: the amount the plan will pay up too after in network discounts.
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DENTAL & VISION COVERAGE
Dental Insurance
Get comprehensive dental coverage for preventive care, fillings, and major procedures like crowns and root canals.
Vision Insurance
Protect your eyesight with plans that cover exams, glasses, and contact lenses.
