Hi I'm
The Friendly Health Insurance Guy.
I help self-employed individuals and families get
superior health insurance at a lower cost with the
least amount of hassle.
Hi I'm
ORAN ROSE
The Friendly Health Insurance Guy. I help self-employed individuals and families get superior health insurance at a lower cost with the least amount of hassle
Health insurance can be confusing thing to navigate, especially if you're trying to find the right plan for your needs.
The health care system in America is getting expensive and it's difficult to know if you have reviewed all options for coverage or if there could be better solutions elsewhere. That's why it's so important to review your options with a health insurance specialist that is interested in finding the right solution for your needs. The Friendly Health Insurance Guy can make this whole process as stress free as talking with your friend.
The Friendly Health Insurance Guy
We are national provider of high-quality, affordable health insurance products for individual and businesses. Our unique platform enables us to offer customized. flexible plans that protect you from large medical bills while allowing you to achieve superior value with the potential for tax-savings as well as support for managing the cost of your household's healthcare.
What are people Saying
I am a 40-year-old with a wife and three kids. Insurance has always felt like an unfair, overpriced, and miserable experience. After checking all the plans on the marketplace, the cheapest I could find was a $1500 per month plan with a $15,000 deductible. Oran was able to get my family on a full PPO plan with a $500 deductible for under $600 per month.
Oran is the best health insurance guy, so kind and understanding. Our last insurance guy quoted us $900 for our family of 3 and I about died! Oran came in and cut the price in half for better coverage. I was shocked that was even an option! Oran is absolutely outstanding. I recommend him to anyone!
Oran is extremely helpful and is always there when I give him a call or text. Seems likes he's on the clock 24/7. I would definitely recommend working with him.
Hello! My name is Oran Rose.
I live in the beautiful valley of Heber City, Utah. I take great pleasure in helping small business owners, their employees and families to get superior health coverage without the hassle. I specialize in helping people reduce their premiums, lower their deductibles and increase their coverage/network accessibility. I can achieve this by reviewing your options through the marketplace and private plans. Apart from my work, I enjoy sports of every kind, home projects, and touring the many outdoor sights and activities in Utah with my family.
Health Coverage Options For The Self-Employed
Choosing self-employed health coverage is a big business decision. It’s an important personal decision as well. Today there are many great options available for self-employed individuals. Understanding those options will help you make the decision that makes the most sense eliminate undo stress.
And if you decide to grow your business and add staff, we’ve got you covered.
Access to the Best Plans
Our nation’s top carriers have recognized our commitment to excellence. This recognition has granted us access to plans reserved for top performing agencies.
Experienced in the Industry
With more than 10 years of serving clients, we have been able to navigate through the many changes to healthcare throughout the years.
Easy to Understand Options
We believe simplicity makes things better for everyone. Let us guide you through the insurance market and help you make the best decision for you and your family.
Personal Service
We create and maintain las ng relationships with each of our clients through trust and reliability.
Budget Friendly Plans
We've been a trusted source of affordable insurance for more than 10 years. We have many plan options that fit within your budget.
Our Clients Come First
By taking the me to understand your individual needs, your risk assessment, and your financial goals, we are able to find the plan that's right for you.
Understanding Affordable Health Coverage
When filing your Form 1040, there is a spot on the first page, Line 29, that allows you to claim your self-employed health insurance costs for the year. The benefit of claiming your health insurance costs is that it lowers your gross adjusted income, which will in turn lower your total taxable income. Software like QuickBooks Self-Employed can help you easily track these deductions. There are two key factors to remember when determining your eligibility for deducting your health insurance costs as a self-employed person:
You can only write-off your health insurance premiums for the months you and/or your spouse where ineligible for an employer-sponsored health insurance plan. For example, if you were employed for five months of the year and then left your job to start your own company, you would be able to claim your premiums for the remaining seven months. If your business does not earn any income, you cannot claim the health insurance deduction. You are not eligible to claim more deductions than your business earned in the same year.
An HMO
or “health maintenance organiza on”) requires you to select a primary care physician (PCP) who acts as "gatekeeper." Think of your PCP as your personal health-quarterback, strategically coordina ng all of your care and providing for your basic healthcare needs. If you ever need to see a specialist or require a diagnos c service (such as a blood test), you will need a referral from your PCP. Your referral will always be to a provider within your HMO network. If you choose to see a doctor outside of the network or without a referral, you will generally have to pay all costs out-of-pocket unless it is a true medical emergency or you have no other op ons. With an HMO, your physician network is local.
An PPO
(or “preferred provider organiza on”) is a health plan with a “preferred” network of providers in your area. You do not need to select a primary care physician and you do not need referrals to see a specialist. If you see a “preferred” (or “in-network”) provider, you will only be responsible for paying a por on of the bill (according to your plan's coverage structure). If you choose to see a doctor who is outside the preferred network, you will generally have to pay a larger por on of the bill than you would for an “in-network” provider, but most plans will s ll cover a por on of the bill. With a PPO, you will have access to out-of-state providers that are considered in-network.
An EPO
(or “exclusive provider organiza on”) is a bit like a hybrid of an HMO and a PPO. EPOs generally offer a lile more flexibility than an HMO and are generally a bit less pricey than a PPO. Like a PPO, you do not need a referral to get care from a specialist. But like an HMO, you are responsible for paying out-of-pocket if you seek care from a doctor outside your plan's network. An EPO is a good op on if you want to see specialists without a PCP referral within your network.
An POS
(or "point of service”) plan is also a hybrid of an HMO and PPO plan. Like an HMO, you will need a referral from your PCP in order to see a specialist. But, like a PPO plan, you will pay less if you use doctors, hospitals, and other healthcare providers in the plan’s network, and you will have access to out-of-network providers at an increased cost.
A preferred provider organizations (PPO) is a type of health insurance plan that features a network of doctors and hospitals that provide a lower rate. PPOs may also cover the costs of some medical expenses outside of their network. Unlike with a health maintenance organization (HMO), another popular type of health insurance plan, PPO plans do not require that you get a referral from your primary care physician to see a specialist.
Your deductible is the amount you pay for health care out of pocket before your health insurance kicks in and starts covering the costs. Some expenses, like an annual check-up or doctor’s visit, might not be subject to the deductible, depending on your plan. The deductibles might be anywhere from $500 to $1,500 if you’re an individual, or $1,000 to $3,000 if you’re a family. In general, plans with higher deductibles have lower premiums and vice versa.
As an example, if you have a $1,000 deductible and have a $5,000 surgery, you’ll have to pay $1,000 out of pocket, and the remaining $4,000 will be covered all or in part by your insurance company.
However, even after you've paid your deductible, covered services may still have a copay or coinsurance, depending on the details of your plan.
A copay is a flat fee that you pay when you receive specific health care services, such as a doctor visit or getting prescription drugs. Your copay (also called a copayment) will vary depending on the service you receive and your health insurance plan, but copays are typically $30 or less.
Copays are a form of cost sharing. Insurance companies use them as a way for customers to split the cost of paying for health care. Copays for a particular insurance plan are set by the insurer. Regardless of what your doctor charges for a visit, your copay won't change.
Not all services require a copay — preventive care usually doesn’t — while the copay for other medical services may depend on which doctor you see or which medicine you use. In particular, certain insurance plans charge more to visit a specialist physician instead of your primary care physician. Name brand prescription medicine usually has a higher copay than generic versions.
As a general rule, health insurance plans with lower monthly premiums (the amount you pay each month in order to have health insurance) will have higher copays. Plans with higher premiums usually have lower copays.
ACA passed in 2010 and was meant to make it easier and more cost-effective for Americans to obtain health insurance than to live without it. Additionally, the ACA included the following:
Established minimum essential coverage that requires all Americans to have a certain level of health insurance Made it illegal for anyone to be denied insurance due to a pre-existing condition Provided additional funds for Medicaid that were distributed to states to expand their current Medicaid programs, which already offer low-cost health insurance and extend benefits to residents younger than 65 Set up individual tax penalties to be assessed annually against individuals who do not have health care. The act also included new requirements for small businesses and what they are responsible for in regard to providing healthcare for their employees.
This is a great question that’s likely to have a couple caveats. In many cases, emergency care is covered.
So, if you live in Michigan but break a leg in New York, don’t stress too much while you sit and wait in the emergency room. A good health plan will cover emergency care costs.
