We help you find the Best Insurance, you'll love it!

Affordable peace of mind is just a call or click away!

Get Quote

We help you find the Best Insurance, you'll love it!

Affordable peace of mind is just a call or click away!

Get Quote

Individuals, Families and
Small Business Health Insurance

Get Quote

About Us

Looking for insurance can be stressful, because there are so many different plans with varying prices and coverage. It requires a lot of research to find the perfect plan, but having insurance is important, and having an agent by your side is even more important. It gives you peace of mind of knowing you’re covered in case of the unexpected.

If doing all the research begins to feel overwhelming,

We Respect Your Needs

If doing all the research begins to feel overwhelming, don't worry. My MedaHealth is here to help.

It's All About Your Needs

We understand the stress of finding the right insurance plan, which is why we created our company. Our number one goal is to meet your insurance needs while saving you money. Whether you need individual health insurance, small business health insurance, a Medicare Supplement plan, dental insurance, or extra coverage, our trained agents will listen carefully to your needs and budget, and will find a personalized plan for you.

Our Services

Our experienced professionals are ready to answer any questions or concerns you have, and compare quotes at no cost to you. That’s right: because our goal is to help you, we offer our services for free.

And because our team respects our customers, we make sure that our agents are the best in the business. No pushy salespeople hounding you, and no obligations.

Don’t put it off any longer. Get started, get insured, and save money.

Health Insurance

Fixed Benefits

Does your health insurance plan cover everything you want it to? Is paying for your out-of-pocket healthcare costs becoming a burden? Need help with these costs? You can add a fixed benefits plan to your existing insurance policy.

Indemnity

An indemnity plan, also known as a “fee-for-service plan,” is one of the most flexible healthcare plans around. These plans allow you to visit any doctor, hospital or provider you choose…..

Small Business Health Insurance

As an employer, it falls on you to find the right healthcare plan for your employees. Choosing a plan is a major decision, and sorting through all of the many options can be confusing……

Short Term Medical

Short-term health insurance is a temporary medical insurance plan that provides important coverage to protect you from unexpected medical bills. Is Short-Term Health Insurance Right For You?

Fixed Benefits

Does your health insurance plan cover everything you want it to? Is paying for your out-of-pocket healthcare costs becoming a burden? If you need help with these costs, then you might want to look into adding a fixed benefits plan to your existing insurance policy. Having one of these plans could save you a lot of money, which is something that My MedaHealth knows a lot about. Our agents can answer all of your questions and will work hard to compare all the plans available in your area. To get you started, we’ve detailed below how a fixed benefit plan works - if you think one might be right for you, get started with an instant quote!
A fixed benefits plan is an insurance plan that you can purchase as a supplement to your existing health insurance. These plans are not the same as regular health insurance and are not intended to be a substitute for comprehensive medical coverage. The purpose of these plans is to provide you with a fixed-dollar amount to help you pay for any costs associated with your healthcare.
You can use the benefits without restriction, for doctor bills, hospital bills, telemedicine appointments, prescriptions, or any other medical expenses. If you experience a loss of income during your treatment or recovery period, you can use the money for household expenses, educational costs, or any other non-medical expenses.
Fixed benefit plans are offered on a guaranteed issue basis, meaning that you will not be medically underwritten, and cannot be denied coverage due to preexisting conditions.

What You Will Receive:

Benefits paid directly to you
Benefits that pay even if you have other health coverage
Discounted rates on care if you use your health insurance’s in-network provider
Settlement immediately following a medical event. For example, you will get the full insured amount upon the first diagnosis of a critical illness like cancer. If you are in an accident, then you or your beneficiaries will receive the settlement amount following your death or disability

Benefits that can be used in any way you choose to cover out-of-pocket expenses

What Is Covered

A fixed benefit plan is ideal for people that want cash benefits associated with:

Inpatient hospital stays and covered surgeries
Outpatient surgeries, doctor visits, and tests
Prescription drugs and medical equipment
Covered injuries due to accidents (other than those that occur at work)

Exclusions

You will not receive any benefits for:

Any medical or hospital services not specifically covered in your health plan
Cosmetic surgery, including breast reduction
Custodial care
Experimental and investigational procedures
Infertility services
Non-medically necessary services or supplies

Indemnity

An indemnity plan, also known as a “fee-for-service plan,” is one of the most flexible healthcare plans around. These plans allow you to visit any doctor, hospital or provider you choose, which means not having to worry about getting hit with a giant bill for out-of-network care. If flexibility and choice are at the top of your list of insurance priorities this might be the best option for you. At My MedaHealth we can give you instant, accurate quotes on all of the indemnity plans available in your area and help you compare them to any other plan types you might be curious about. We’ll work hard to compare them, and will make sure you get the coverage you’re looking for, at a price that works with your budget.

An Indemnity Plan Is Perfect If:

You are looking for the freedom and flexibility of choosing which doctors and hospitals you want to go to.
You do not want to choose a primary care physician.
You do not want to get referrals to see specialists.

When Choosing A Plan

Some indemnity plans cover preventive care services, such as annual exams and routine office visits, while others do not. Some plans will cover a portion of these costs, and some will not allow preventative care to count towards your deductible. If preventative care is important to you, then make sure that you know how these services are covered before choosing a plan.

How It Works

With an indemnity plan, you don’t have to worry about staying in a provider network, choosing a primary care physician, or getting referrals to see specialists. You probably will have to pay upfront for services, and then submit a claim to your insurance company for reimbursement. You also have to meet your annual deductible before they will pay your claims.

Understanding The UCR Rate

With some types of healthcare plans, like PPOs and HMOs, there is a network of providers you can see, and your insurance company will negotiate with that network to lower the costs of medical services. Indemnity plans do not have networks, so there is no negotiating for lower prices. Instead, your insurance company will pay a percentage of your costs (after you meet your deductible). But they will not actually pay the bill that you get from your provider, they will pay a percentage of the bill based on the UCR.
Most insurance companies set their UCR charges at the 80th percentile. That means that 80% of the medical providers in a given area charged equal to or less than the insurance company’s UCR rate. If your bill is higher than your insurance company’s UCR rate, you may need to pay the difference. In order to help break it down, here is an example:

Let’s say you have a medical procedure done and receive a bill of $2000, but your insurance company’s UCR for that procedure is $1500. If your insurance company usually pays 80% of your bill before you meet your deductible, they would cover 80% of $1500, and you would have to pay the other 20% plus the remaining $500.

Our Products

Dental

Some dental insurance plans offer more benefits than others, but come with a bigger price tag. As with any insurance plan, you need to weigh how much coverage you want against how much you are willing to pay.

Life Insurance

Life insurance is extremely important: having enough coverage means that you can continue providing for your family even if you are no longer with them. As long as you pay your monthly premiums, then your insurance will pay out after your death……

Medicare Supplement

The best time to get a Medicare Supplement Plan is during your open enrollment period, which automatically begins the month you turn 65 and are enrolled in Medicare Part B.

Supplemental Accident Coverage

No matter how careful you are, accidents can happen. Your health insurance plan will only pay for so much, and the rest is your responsibility. This is where supplemental accident coverage can help.

Dental

Your oral health is closely linked to your overall health, so regular visits to your dentist are very important. Having dental insurance means that you and your family can get checkups, cleanings, and routine dental care without having to worry about big bills. If you’re worried about the hassle of looking for another insurance policy, or about the expense, just spend a few minutes with My MedaHealth. There are a number of dental plans available that offer different types of coverage at different price points, so we guarantee we’ll find you the right option at the right price.

Dental Plans Can Include:

Basic Services: includes fillings, extractions, and emergency treatment.
Major Services: bridges, crowns, and root canals. Usually you will first need to meet the plan’s deductible for these services to be paid for.
Large Dental Network: you can visit thousands of dental offices within your network.
Direct Payment Plan: your bills are paid directly to the provider with no need to submit claim forms.

As with any insurance plan, you need to weigh how much coverage you want against how much you are willing to pay. Some dental insurance plans offer more benefits than others, but come with a bigger price tag. If you want root canals and retainers covered with little to no out-of-pocket costs, then you will have to pay a little more in monthly premiums.

Different Coverage Plans

PPO Plans: fewer limitations on which dentist you can see. You do not need to go to in-network dentists, but you will pay more out-of-pocket if you choose to see an out-of-network dentist. These plans have an annual deductible that you need to meet, as well as copayments for procedures, but there is an out-of-pocket maximum.
DHMO Plans: a very limited choice of dentists. With these plans, you need to choose one dentist from the plan’s network, and any out-of-network treatment will not be covered. There is no annual deductible or out-of-pocket maximum, but you will pay a copay for certain procedures.
Indemnity Plans: fewer limitations; you can see any dentist you want. You pay your dentist directly for any services, and then submit a claim to your insurance company for reimbursement. Your insurance company will generally cover a percentage of the total cost.
Dental Discount Plans: no coverage network. Visits to your dentist are discounted, but paid for entirely out-of-pocket. You pay an annual fee instead of a monthly premium, and this annual fee gets you a dental discount card which you present at each visit. There is no deductible or out-of-pocket maximum for these plans.

Medicare Supplement

Medicare Part B only covers 80% of your medical costs, leaving you to pay the other 20% out-of-pocket. Medicare Supplement Plans help pay these out-of-pocket costs that Medicare does not cover. Their premiums range from $70 a month to $270 a month, depending on the plan. Generally, the higher the deductible, the lower the monthly premiums. Plans with lower deductibles have higher monthly premiums.
If you’re unsure which plan is right for you, one of our agents will do all the research, comparing, and pricing for you. We will work to help you understand all of your options and see which fits best with your lifestyle. Agents work with your schedule and your time, a call with one of us can answer as few or as many questions that you have until you are comfortable with your options.

When To Enroll

The best time to get a Medicare Supplement Plan is during your open enrollment period, which automatically begins the month you turn 65 and are enrolled in Medicare Part B. During this 6-month period, you can buy a plan without facing medical underwriting or possible denial due to poor health.

If you miss your open enrollment period, you may still be able to sign up for a Medicare Supplement Plan, but you might end up paying more for coverage if you have pre-existing conditions

The Benefits of Medicare Supplement Plans

See any doctor who accepts Medicare.
No referrals needed to see a specialist.
Guaranteed coverage for life (as long as you pay your premiums).
Coverage that travels with you all over the U.S.

Comparing Plans

As mentioned earlier, there are 10 different types of Medicare Supplement Plans. Each plan has an assigned letter, and offers different options. For the most part, they all cover the basics. Plans N and G are the most popular plans at the moment. The reason that these plans are the most popular is that they cover 100% of some medical costs, while other plans only cover 75%.

In order to figure out which plan will work best for your budget and healthcare needs, you should speak to an experienced My MedaHealth agent. Our Medicare agents can compare all of your local plans in minutes and help you to understand exactly what is covered. This will allow you to see what level of coverage you need, and help you find a plan that fits your budget.

A Medicare Supplement Plan Is Right For You If:

You’re enrolled in Original Medicare (Parts A and B)
You want extra coverage to pay for the costs Medicare does not cover.
You plan to enjoy your retirement traveling the U.S. and beyond (some plans cover international traveling).
You’re enrolled in Original Medicare (Parts A and B)aYou would like the flexibility to see any doctor who accepts Medicare without a referral.

Testimonials

I am truly thankful to have an insurance agent actually listen to what is important to me and my family for our coverage needs. The best part is the agent provided a solution that covered my request. I just want to say thank you My MedaHealth for listening to what was critical to my Health Insurance coverage.
Sincerely,
Veronica
My MedaHealth, I am grateful for having a variety of choices for my health insurance. Having someone to explain Obamacare choices as well as other options that covered what I needed as a self-employed individual. I like being given the option to pick the plan that fits my medical and financial situation. I am glad to have several options to choose from.
Thank you for your service,
Sandra

Blog

Medicare Supplement Enrollment Vs. Annual Open Enrollment: What’s the Difference?

For many people looking to enroll in a new health insurance plan, fall is the season they’ve been waiting for. Open Enrollment for general health insurance plans runs from November 1 through December 15, and if you’ve purchased health insurance in the last decade then you know that this is the only time of year

Met Your Deductible? 7 Ways to Use Your Insurance Before the End of the Year

Deductibles. It’s hard to get away from them: almost every insurance plan has one (in fact, only about 7% don’t). They can be low, or they can be high, depending on your plan, but in most cases they are a significant amount.

How Does Your Health Insurance Premium Work?

Having health insurance means having coverage for the medical care that you need, but it also means having a lot of different costs to consider. You have to think about your deductible, your copays and coinsurance, and last but definitely not least, your premium.

Get to Know Medicare Supplement Plan G

If you’re getting ready to enroll in Medicare, then there’s one very important thing you need to do: start researching Medicare Supplement Plans. Once you turn 65 and enroll in Medicare Part B, you’ll have 6 months to purchase a plan; after that, you could be facing the Medicare underwriting process.

The Answers to Your Health Insurance FAQs!

Health insurance. You know you need it. But it’s complicated, and there’s a lot to learn and sort through when choosing a plan. If you feel like you’re ready to give up on it all, don’t! My MedaHealth is here to answer your most frequently asked questions about health insurance, and get you ready for […]

Do You Need a Medicare Supplement Plan?

Medicare is great. Having this program in place means that seniors don’t have to worry about getting the basic healthcare that they need. But it’s also not a perfect program. If you’re getting ...

We help you find the Best Insurance, you'll love it!

Affordable peace of mind is just a call or click away!

Get Quote

We help you find the Best Insurance, you'll love it!

Affordable peace of mind is just a call or click away!

Get Quote

Individuals, Families and Small Business Health Insurance

About Us

We Respect Your Needs

It's All About Your Needs

Our Services

Health Insurance

Fixed Benefits

Indemnity

Small Business Health Insurance

Short Term Medical

Fixed Benefits

What You Will Receive:

What Is Covered

Exclusions

Indemnity

An Indemnity Plan Is Perfect If:

When Choosing A Plan

How It Works

Understanding The UCR Rate

Small Business Health Insurance

Different Options

Savings

Assess & Compare

Short Term Medical

Between jobs? Aging out of Mom or Dad’s policy? Waiting for Open Enrollment?

Our Short Term Medical plans offer a lot of flexibility:

Important information about these plans

THESE PLANS PROVIDE LIMITED BENEFITS

Our Products

Dental

Life Insurance

Medicare Supplement

Supplemental Accident Coverage

Dental

Dental Plans Can Include:

Different Coverage Plans

Life Insurance

The Different Types Of Life Insurance

Choosing the Right Plan

Medicare Supplement

When To Enroll

The Benefits of Medicare Supplement Plans

Comparing Plans

A Medicare Supplement Plan Is Right For You If:

Supplemental Accident Coverage

What Is Supplemental Accident Insurance?

How It Works

What Is & Isn’t Covered

Benefits

The Costs

Testimonials

Blog

Email: info@mymedahealth.com

Individuals, Families and
Small Business Health Insurance