We offer a wide-range of health options for you and your family. Everyone is different, and we know that it is important for you to have a variety of health plans to choose so you can find what works for your lifestyle and financial picture.
ACA-Compliant Health Insurance
Also known as “Obamacare plans”, this type of major medical insurance meets the ACA’s minimum essential coverage requirements. Individuals can enroll for these plans during the annual Open Enrollment Period of November 1 – December 15. (Note: Plans and rates for next year will not be available to view until November 1.)
If you have experienced a Qualifying Life Event (QLE) you may qualify for a Special Enrollment Period that will allow you to enroll outside of the Open Enrollment Period. Watch our QLE webinar replay to learn more.
Non-ACA Health Insurance
Also known as “short-term health insurance”, non-ACA plans can be an affordable alternative for individuals who are in good health and don’t need coverage for maternity, mental health, substance abuse, or a preexisting condition. There is no designated enrollment period for these plans — you can apply at any time.
(Note: Non-ACA/short-term health insurance is medically underwritten and does not cover preexisting conditions. The coverage does not meet ACA minimum essential requirements. Availability varies by state.)
Medi-Share is an affordable biblical-based alternative to Health Insurance. It is a healthcare-sharing ministry where members share each other’s medical bills. Members are exempt from the ACA mandate to purchase insurance or face financial penalties.*
How is the Member Benefits Private Exchange different than healthcare.gov?
Applying through MB Exchange allows for you to shop and compare all of the carriers in the private market at once and provides you with the advice of a licensed Benefits Counselor that has your individual needs in mind. You are also able to enroll in other exclusive benefits such as supplemental health, dental, vision, disability, etc. at the same time as your medical enrollment. This creates a one-stop-shop for all of your benefit needs. Your benefit elections are held in your personal exchange account where you are able to log back in and view your benefits at any time during the year.
What are the important dates for enrolling in health coverage?
- November 1: Open Enrollment begins.
- December 15: Last day to enroll in or change plans for new coverage to start January 1.
- January 1: Coverage starts for those who enroll by December 15.
- After December 15: You can still buy a health plan if you qualify for a Special Enrollment Period.
If my employer offers coverage am I able to enroll in a plan through this Private Exchange?
Yes, you are able to enroll in an individual policy on the private exchange if your employer offers coverage, however, because your employer offers coverage, you are not eligible for a subsidy on the public exchanges.
If I have a claim issue who do I contact?
You will want to call the number on the back of your insurance ID card. All of the carriers have a designated claims department that will be able to review any claims that a provider has submitted and explain the charges. If you have created a member log in with the insurance carrier you should also be able to access your claims online through the carrier website listed on your card.
How do I update or change my billing information for my health insurance?
To change or update your health insurance billing information you may contact the carrier’s billing department by calling the number on the back of your ID card. If you have created a member log in with the insurance carrier you may also be able to change your billing online through the carrier website listed on your card.
How do I change my address?
To change your address with your health insurance carrier information you may call the number on the back of your ID card. If you have created a member log in with the insurance carrier you may also be able to change your address online through the carrier website listed on your card.
How long do I have before I need to apply?
Please try to enroll as soon as possible as carriers are extremely backed up due to all policies being issued and renewing on the same date. Please note that if your deadline occurs on a weekend you should submit your application to us by noon on the Friday before or if it occurs on a weekday please submit before noon on day prior to the final day to ensure that the application is processed and you receive your requested issue date.
What information do I need to enroll?
For all family members that will be included in coverage, you will need the dates of birth, social security numbers, and premium payment. All carriers require that the initial premium payment is submitted upon applying. A carrier will not accept an application that does not have payment.
As a Member, am I able to enroll my dependents if I waive coverage due to having other coverage?
Yes, the Member Benefits Private Exchange is available to Members and their dependents. Spouses and children may enroll even though the Member waives the coverage.
Do I have to meet my deductible before I pay a copay?
Most services where a co-pay is noted the service is covered before you meet your deductible and the deductible is waived. There may be a few exceptions where you will have to meet a deductible prior to your copays. For example, for certain Rx tiers, you may have a separate Rx deductible prior to paying a copay. In these cases, you pay up to the Rx deductible before the copays apply. You will want to review the SBC for full coverage details.
When does my deductible apply?
For any service not covered by a co-pay you pay up to your deductible at the “negotiated” (lower) rate – then you pay your coinsurance % (0, 10, 20 or 30 percent usually) until you reach a total cost (including deductible) which is called your out of pocket maximum – after that you are covered 100% for covered services for the balance of the year.
What does the term “Out of Pocket Maximum” refer to?
OOPM is the most that you pay for covered services before the carrier covers at 100%. The OOPM includes the deductible, copays, coinsurance and Rx.
Does the law require me to be insured by a qualified health plan all year to avoid a tax penalty (individual mandate)?
No. If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all.
Can receive care from any doctor you choose, no referral for specialty care (except UHC FL), may use out-of-network doctors – but may have to pay addition fees. PPO plans typically have higher monthly premium.
Very similar to a PPO. The biggest difference is the contract between the insurance carrier and healthcare providers.
Must pre-select an approved Primary Care Physician, referrals are needed and for most plans, there are no out of network benefits except for qualifying emergencies. HMO plans typically have lower monthly premiums.
Hybrid network that has limitations that vary based on the carrier. In some instances, you would need to get referrals and may not have coverage for out-of-network. These plans typically have a lower monthly premium.
No need to jump to multiple websites to compare plans, members now have an easier way to evaluate every available plan from leading companies like Humana, UnitedHealthCare, Coventry and Blue Cross & Blue Shield. Upon renewal, you’ll have the ability shop and compare your plan with the most up-to-date health plan options available in order to ensure that you always have the most competitive coverage.
Best Prices Available For Members
The leading health insurance providers in each state all participate on the exchange. All Health Insurance Plans and rates are regulated by each state's Department of Insurance. You will not find better pricing with any of these providers, even if you purchase directly from the carrier. The FCA Private Insurance Exchange can also help you determine if you’re eligible for a government subsidy and assist you when applying.
Personalized Customer Support
We know time is money, especially for doctors. From basic questions to in-depth consultations, we know it’s important to have a live person awaiting your call when you need help. Our dedicated team of Benefits Counselors are specially trained to work with you and can provide you with expert advice about each health plan. Common inquiries include things such as checking provider networks, making sure certain prescription drugs are covered, and explaining difficult to understand insurance jargon.
Concierge Level Advocacy Throughout the Year
If you’ve ever had an issue with your coverage and had to deal directly with your insurance carrier, you know how valuable it is to have an advocate on your side. Billing errors, lost ID cards, problems with claims, and changes in your family status are all common occurrences that require time and effort. Instead of spending your valuable time waiting on hold, let us do the heavy lifting.
*Medi-Share is not insurance or an insurance policy nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, Medi-Share should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not Medi-Share continues to operate, you are always personally responsible for the payment of your own medical bills. Medi-Share is not subject to the regulatory requirements or consumer protections of your particular State’s Insurance Code or Statutes.