Get Affordable Health Plan That's Right For You!

We have plans catered to Individuals, Families, Businesses, and Seniors.

These rates apply to Residents from FLORIDA, GEORGIA, TEXAS, LOUISIANA, NY, NEW JERSEY, and OHIO

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Call Julaine, your local licensed agent and get knowledgeable advice on choosing a plan that's right for you.

Got Questions?

FAQs

What is a Short-Term Plan?

Short-term health insurance is designed to fill gaps in coverage. It’s ideal for people who are:

  • Switching jobs and in between benefits.
  • Waiting to be Medicare-eligible.
  • Not qualified for an ACA plan, but will have other insurance in the near future.
  • Transitioning from their parent's health insurance plan to their own.

Keep in mind, short-term medical plans aren’t required to meet the same guidelines as ACA plans. Because of this, many don’t cover pre-existing conditions, including pregnancy.

Some plans also have maximum payout amounts and waiting periods for coverage to begin. So, when choosing a short-term plan, it’s important to completely understand what is and isn’t covered before you buy.

What should I ask the agent to ensure I get the plan I need?

When exploring your health plan options, you can ask the agent these questions to help determine if the coverage fits your needs.

  • Is this a managed care or an indemnity plan?
  • Is this plan ACA compliant?
  • Is this a cost-sharing plan or is it real health insurance?
  • Is this health insurance or a plan that supplements my current health insurance?
  • How much money do I have to pay out-of-pocket annually for medical care?
  • Is there a co-pay for doctor visits? If so, what is it? Is there a separate co-pay for specialists?
  • Does this plan include dental, vision care, and other special services?
  • Can I continue seeing my current doctors?
  • Are preventative or routine exams covered?
  • Does the plan cover pre-existing conditions? If not, what’s excluded?
  • Are prescription costs covered?
  • Does this plan have a deductible? If so, how much is it and when does it apply?
What is a Affordable Care Act (ACA) Plan?

The comprehensive healthcare reform law, known commonly as ACA or Obamacare, requires qualified insurers to provide individual health insurance plans to enrollees that meet the minimum essential coverage requirements. These plans are designed to make healthcare more affordable and to provide coverage to everyone, including those with pre-existing conditions.

With an ACA health plan, you pay a monthly premium and typically, a co-pay when you visit your doctor. When choosing your plan, it’s important to look at the deductible, which is the amount of money you pay before your insurance “kicks in,” and your out-of-pocket maximum, which is the total amount of money you pay annually before your insurance covers you 100%.

Also, keep in mind, that while all ACA health insurance plans include dental and vision coverage for children, they may not include it for adults. If you need vision and dental coverage, and your plan doesn’t include it, you’ll have to purchase it separately.

What is a Fixed Indemnity Plan?

Fixed indemnity plans aren’t traditional health insurance coverage. These plans are designed to supplement your health insurance by reimbursing you for out-of-pocket expenses you pay on covered medical treatments and procedures.

For example, if your health insurance has a $500 deductible for emergency room visits, this is what you pay if you receive treatment at the ER. Then, you can submit your receipts to the provider who manages your fixed indemnity plan for reimbursement.

Keep in mind, fixed indemnity plans don’t cover pre-existing conditions. In fact, they typically have a list of specific procedures and medical treatments that are covered, so make sure you understand when you’re reimbursed and when you aren’t before you buy.

Also, the amount of costs reimbursed to you could affect your Medicaid eligibility (if applicable).

What is a Community/Cost-Sharing Plan?

Community/cost-sharing plans are not real health insurance plans. These plans are designed to supplement your health insurance in an effort to help you manage costs.

When you purchase a cost-sharing plan, you aren’t buying health insurance. Instead, you’re buying into a community plan that pulls everyone’s monthly payments together and uses that money to help pay for its member’s out-of-pocket medical expenses.

Keep in mind, each program has specific guidelines. Before you buy, make sure you know what type of medical expenses you can get reimbursed for.

Our Mission Is to Provide Insurance coverage solutions that will give you peace of mind

ThruCore is committed to providing clear, solid lifetime solutions that will give our valued clients the peace of mind needed to continue on their journey to economic freedom.

Our team of trusted and compassionate professionals uses innovative products that can be tailored to the individual needs of our clients while enhancing their understanding of economic fundamentals.

As a result, they will have the opportunity to make wise choices and better manage and protect their future.

Get Answers Today

We are committed

to providing clear, solid lifetime solutions that will give peace of mind needed to continue on your journey to economic freedom.

CALL NOW (954) 661-3833

Our Services

Small Businesses

Protect your business future
Group Health Benefits Packages
Prepare for unexpected events
Create sustainable growth

Individuals

Enroll in health insurance
Protect your ability to earn
Protect against loss from sickness
Plan retirement health insurance

Seniors

Enroll in Medigap coverage
Protect what's important to you
Receive personal guidance
Maximize benefits

Our Products

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Health Insurance

Health insurance can be very frustrating and confusing. We will help you to understand all the moving parts so you can make the right decision.

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Medicare Insurance Plans

No matter where you are with your plan, we will help you to figure out what Medicare covers and what supplemental plan fits your needs.

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Travel Health Options

Worried about injuries while travelling? Let us help you understand what benefits you may be eligible for that could give you the peace of mind.

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Dental & Vision Coverage

We proudly offer dental and vision plans from industry leading providers. Let us help you find the best suited provider for your needs.

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Group Benefits

Let us explain the details in easy-to-understand language as we go over your circumstances, budget, and options that will work for you.

Additional Products

Call us for other insurance products we offer that protects the other areas of your life’s and your family’s life that also protects your family’s future.

Call today at (954) 661-3833

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