eHealth is a licensed health insurance agency
If you’re looking for a health insurance agency, look no further than eHealth. Not only do they specialize in major medical plans, but they also broker short-term medical insurance, dental, vision, and Medicare plans. You can even choose a group plan for your small business with their help. eHealth has access to over 10,000 plans and represents over 180 insurance companies. Not only does eHealth provide insurance, but it has also taken the lead on efforts to make healthcare more affordable for consumers.
eHealth has been around for over two decades, and their goal is to simplify the entire process of getting a health plan. They offer both subsidy plans and non-subsidized plans, and they make it easy to find a plan that suits your needs. In addition, eHealth offers a short-term/temporary health insurance plan, which is perfect for recent college graduates transitioning into the workforce, or individuals in between jobs. If you’re uninsured, you’re at a disadvantage – your new job may not offer coverage.
The eHealth Medicare site is operated by eHealthInsurance Services, Inc., a licensed health insurance agency. The information displayed on eHealth’s site is intended for sales purposes only, and you may receive a call from an insurance agent or company to learn more about the plans they have available. Neither eHealth nor the Medicare program is affiliated with any government agency or program.
It offers Original Medicare, Medicare Advantage and Medicare Part D plans
Original Medicare, also known as Medicare Part A and B, covers hospitalization and doctor’s visits, but doesn’t cover drug coverage. To get drug coverage, you must enroll in Medicare Part D. Medicare Supplemental Insurance can help pay for these expenses. Medicare Advantage plans bundle Original Medicare with Medicare Part D and may include subsidies for vision and dental care. However, you must be a member of a participating network in order to use Medicare Advantage plans.
Part D and Medicare Advantage plans are available nationwide. Both plans have different rules and exclusions. Generally, Part D plans can’t cover medications that are used by people with certain medical conditions, including erectile dysfunction drugs. Other common excluded drugs in Part D plans include certain drugs used to treat a cough or prevent weight gain. Moreover, Medicare Advantage and Part D plans have annual enrollment periods.
Members can switch to any Medicare plan after the initial enrollment period ends. In order to switch plans, members must contact 1-800-MEDICARE to let the CMS know that they’ve changed plans. The first SEP period is two months before the first day of the next calendar year. The second SEP is two months after the member loses his or her original coverage. Afterwards, the beneficiary must wait two full months before switching plans.
It has a $0 premium
Medicare Advantage plans with a $0 monthly premium are becoming more common. eHealth currently serves over 70% of the counties in 37 states. For the 2019 enrollment period, the company is offering $0 premium Medicare Advantage plans. During the same period, the percentage of eHealth’s Medicare Advantage customers with $0 premium plans increased from 62% to 74%. In contrast, the average monthly premium for Medicare Supplement plans increased by nearly $140 per month.
The average Medicare star rating for all Medicare plans is 4.1 out of five. Humana is the second-largest Medicare Advantage plan provider, with a $0 premium plan in nearly every state. The company offers $0-premium plans in more counties than any other provider. More than half of its members have one of Humana’s $0-premium plans. Moreover, more than 85% of its members are enrolled in a highly-rated plan.
eHealth’s index report also shows a mixed picture of cost increases among Medicare Advantage plans and Medicare Supplement plans. The company’s analysis is based on applications submitted to its Medicare Advantage exchange, the first and largest of its kind in the United States. The index report covers Medicare Advantage plans, Medicare Supplement plans, and Part D standalone plans. Although eHealth has a $0 premium option, users must pay copayments for services. These payments may include ambulance services, emergency room visits, outpatient surgery, diagnostic radiology, and prescription drugs.
It has a good reputation
eHealth provides its own customer support line for their customers. They can help with policy questions, billing questions, and health care claims. EHealth is not an insurance company, but a broker that allows consumers to compare different plans and get a better deal. The company sets rates for its plans independently and these can be found on the company’s website or through health insurance exchanges. There are few complaints about eHealth, though, so it is worth checking them out.
eHealth has a great reputation among Medicare customers. Its services cover all types of insurance, from private to group, and they even have Medicare providers. Because Medicare can be confusing, eHealth makes the process simple and straightforward. Furthermore, the company has a renowned reputation for advocating for its customers. The eHealth website provides 24/7 access to insurance quotes, allowing customers to compare policies and make a decision without having to make a single phone call.
It is a broker
eHealth is a health insurance agency that is licensed in California and organized in Delaware. It offers plans from various insurance carriers in all 50 states of the United States. The website is not affiliated with Medicare or any government agency. Its agents are licensed health insurance agents that work for eHealth and are not paid to recommend any specific plan. Customers can speak with an agent to understand the terms and coverage of each plan.
Agents/brokers are required to be licensed in the state where they operate and pass annual Medicare knowledge tests. Additionally, they are subject to strict oversight from their contracted health plans. Those who do not follow strict marketing guidelines may risk losing their license in their state or termination from their health plan. This is a risk that must be taken into consideration before selecting an eHealth broker. If you are in need of a broker, make sure that the company’s reputation is good.
In the second quarter, eHealth said it was focusing on enrollee retention. The company is expecting higher traffic in the fall. According to the company, 37% of major medical plan enrollments will take place online in 2020. EHealth’s business model was originally geared towards aiding Affordable Care Act enrollments. Among its clients are Humana Inc. and CVS Health Corp.’s Aetna. It also has partnerships with various Blue Cross Blue Shield plans across the U.S.
It is not an insurance company
eHealth Medicare is not a health insurance company; it is a private marketplace that connects individuals to Medicare and ancillary plans. eHealth Medicare is owned and operated by eHealthInsurance Services, Inc., a California corporation. You may receive calls from an agent or broker while visiting the website, but you are not under any obligation to enroll. eHealth is not affiliated with the U.S. government or Medicare.
eHealth is an unbiased broker that does not promote any one insurance company. However, it does offer a customer support line staffed by licensed health insurance agents who can answer questions about their plans and explain deductibles and copays. They can even help guide you toward a plan that best meets your needs. eHealth agents are not employees of any insurance company and are free to make recommendations for a specific plan.