Everyday care for insurance agents

You spend all day comparing plans for clients. Here’s how to size up these plans for your own household.

There are two limited Minimum Essential Coverage options. Think routine care: virtual visits, eligible preventive services, and covered prescriptions.

Start with virtual primary care. Both options include unlimited covered visits with a zero-dollar co-pay. If the issue can be handled remotely, that’s one less drive between client appointments.

Check the formulary. Over a thousand covered generics and more than forty common lab tests are listed at zero dollars. Eligible preventive services are covered at one hundred percent under plan rules.

Examples for eligible men and women include blood pressure checks and colorectal cancer screening. For women, examples also include well-woman visits, mammograms, and cervical cancer screening. Age, risk, and plan rules apply.

The virtual-first option is listed at seventy dollars a month for one person. It excludes office and urgent care visits. The limited in-person option is listed at one hundred twenty-five and adds some of those visits.

For example, it lists five primary or sick visits a year at a fifteen-dollar co-pay. In-person benefits have visit limits and a two-hundred-dollar benefit cap per visit. You can owe more than the co-pay.

Here’s the big exclusion. These plans provide limited benefits. There’s no major medical coverage for hospital stays, emergency room visits, or surgery.

Compare your doctors, medications, and household cost. Use the link on this page to check current rates, fees, and eligibility. If the benefits fit what you’re looking for, you can continue to enrollment there.