Individual & Family Health Plans

INDIVIDUAL AND FAMILY HEALTH PLANS (under Age 65)

ACA / OBAMACARE HEALTH PLANS

Elmo Health & Life in Fort Worth, TX has a firm grasp on the twists and turns that the Affordable Care Act offers. There is a significant amount of excellent coverage for a great price within their health plans. You need an expert who knows the system and can find you what you need.


Important to Note: 

  • Monthly Payments are based age(s) and household income.
  • Guaranteed Health Coverage for any pre-existing medical conditions. 
  • Includes coverage for annual check-ups and other wellness features.

INDIVIDUAL AND FAMILY HEALTH PLANS (under Age 65)

ACA / OBAMACARE HEALTH PLANS

Elmo Health & Life in Fort Worth, TX has a firm grasp on the twists and turns that the Affordable Care Act offers. There is a significant amount of excellent coverage for a great price within their health plans. You need an expert who knows the system and can find you what you need.


Important to Note: 

  • Monthly Payments are based age(s) and household income.
  • Guaranteed Health Coverage for any pre-existing medical conditions. 
  • Includes coverage for annual check-ups and other wellness features.

GUARANTEED HEALTH COVERAGE PLANS

These plans cover a higher income demographic. That does not mean you should be paying a huge amount for your coverage. Call us to learn more.

  • For those individuals who cannot qualify for help with monthly payments, because of higher income.
  • Guaranteed Health Coverage for any pre-existing medical conditions. 
  • Includes coverage for annual check-ups and other wellness features.

GUARANTEED HEALTH COVERAGE PLANS

These plans cover a higher income demographic. That does not mean you should be paying a huge amount for your coverage. Call us to learn more.

  • For those individuals who cannot qualify for help with monthly payments, because of higher income.
  • Guaranteed Health Coverage for any pre-existing medical conditions. 
  • Includes coverage for annual check-ups and other wellness features.

MEDICALLY UNDERWRITTEN INDIVIDUAL & FAMILY HEALTH PLANS

These are plans that require answering medical condition questions, to qualify for coverage. Typically, these plans have PPO (Preferred Provider Organizations). These are national provider networks that do not require having a primary care doctor, or to need a referral to see a network specialist. These plans are also known to provide catastrophic coverage for accident and sickness, with a lower threshold of annual check-up and wellness features. Put another way, they are extended short term medical plans and Indemnity/Schedule of Benefit Plans.

SHORT TERM MEDICAL PLANS FOR INDIVIDUAL & FAMILY

Here are the highlights:

  • Can be used to provide short-term medical coverage from 30 days and up to 364 days. Can be used as gap between jobs, or as many have found become a source of regular coverage. These plans require answering physical and medical condition questions for policy approval. 
  • Includes coverage for annual check-ups and other wellness features but may be subject to deductible and coinsurance conditions.
  • Use National PPO Plans as provider networks.

MEDICALLY UNDERWRITTEN INDIVIDUAL & FAMILY HEALTH PLANS

These are plans that require answering medical condition questions, to qualify for coverage. Typically, these plans have PPO (Preferred Provider Organizations). These are national provider networks that do not require having a primary care doctor, or to need a referral to see a network specialist. These plans are also known to provide catastrophic coverage for accident and sickness, with a lower threshold of annual check-up and wellness features. Put another way, they are extended short term medical plans and Indemnity/Schedule of Benefit Plans.

SHORT TERM MEDICAL PLANS FOR INDIVIDUAL & FAMILY

Here are the highlights:

  • Can be used to provide short-term medical coverage from 30 days and up to 364 days. Can be used as gap between jobs, or as many have found become a source of regular coverage. These plans require answering physical and medical condition questions for policy approval. 
  • Includes coverage for annual check-ups and other wellness features but may be subject to deductible and coinsurance conditions.
  • Use National PPO Plans as provider networks.

INDEMNITY HEALTH PLANS FOR INDIVIDUALS & FAMILY

Sometimes referred to as Schedule of Benefit Plans, which pay specific amounts for medical services performed either inpatient or outpatient. These plans require physical and medical conditions for policy approval. We can help you prepare for these requirements. Annual check-up and some wellness features are usually included but may be limited in payment coverage. Talk to us about how these plans can work for you. 

CUSTOM HEALTH PLAN DESIGNING

Our goal is to learn as much as possible about your health care requirements and customize a set of insurance options that will cover everything you need at a price you can afford. We have the experience, and we stay on top of every new development in the industry. When you need expert health care insurance advice, call Elmo Health & Life! 

INDEMNITY HEALTH PLANS FOR INDIVIDUALS & FAMILY

Sometimes referred to as Schedule of Benefit Plans, which pay specific amounts for medical services performed either inpatient or outpatient. These plans require physical and medical conditions for policy approval. We can help you prepare for these requirements. Annual check-up and some wellness features are usually included but may be limited in payment coverage. Talk to us about how these plans can work for you. 

CUSTOM HEALTH PLAN DESIGNING

Our goal is to learn as much as possible about your health care requirements and customize a set of insurance options that will cover everything you need at a price you can afford. We have the experience, and we stay on top of every new development in the industry. When you need expert health care insurance advice, call Elmo Health & Life! 

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