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Underage Health

Health Insurance for Individuals and Families

ACA Marketplace Calculator

Financial help for Health Insurance coverage through Marketplaces.

What is Health Insurance?

Health insurance is coverage that pays for medical and-or surgical expenses incurred by the insured. Health insurance can reimburse clients for expenses caused by illness or injury or can pay the care-provider directly.

What is the Affordable Care Act?

The Affordable Care Act (ACA), which is sometimes called Obamacare, is designed to make guaranteed issue health insurance plans available to everyone. These plans cover preexisting conditions along with a list of essential health benefits that don’t change from plan to plan.

The ACA has established a yearly Open Enrollment period for individual health insurance. In most cases, if you want ACA coverage, you must enroll in an ACA-compliant medical plan within that period. However, if you experience a qualifying event outside of that Open Enrollment window, you may be able to enroll during a Special Enrollment Period.

Short-Term Health Insurance

Short-Term health insurance plans are designed to bridge gaps in your health care coverage during times of transition.

Short Term or Temporary health insurance plans may make sense if you are:

  • Rolling off your parent’s insurance
  • In between jobs
  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment
  • Waiting for your Affordable Care Act (ACA) coverage to begin
  • Waiting for benefits to begin at a new job
  • Waiting for Medicare
  • Needing a temporary alternative to COBRA insurance
  • Losing coverage following a divorce
  • Under 65 and in good health

In these situations and others where you find yourself temporarily lacking health care coverage, choosing a Short-Term health insurance plan may be just the security you need to get you to that next stage of your life.

Hospital Indemnity

Hospital Indemnity Insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons or for other medical services, depending on the policy.

Critical Illness

Critical Illness insurance pays a lump sum cash benefit directly to the policyholder in the event of a qualifying serious illness.

A Critical Illness policy may cover:

Heart Attacks Strokes
Life-Threatening Cancers Loss of Hearing
Loss of Speech Loss of Vision
Major Transplants Paralysis
Comas Renal Failures
Carcinoma in Situ Coronary Artery Bypass Grafts

Quoting Resources & Tools

Quoting available on our product portfolio

Carriers

Pinnacle works with a wide variety of carriers to help provide your clients with the best options available.

Insurance News

Aetna | 2022 Certification Starts 6/29

Our 2022 Individual Medicare producer certification process kicks off on June 29, which is earlier than ever before.

Humana | New Multicultural Enhancements to the Find a Doctor Tool!

Humana is committed to enabling members personalized, accessible care. We know finding the right doctor is a key part of that.

UnitedHealthcare | JarvisWRAP Exciting News June 18

UnitedHealthcare strives to make the certification process easier for our agents. We have created a new, simplified Certification Reference Guide with the content you need to pass your certifications.

Medicare Basics

Medicare is individual health insurance offered to U.S. citizens and other eligible individuals based on age, disability, or qualifying medical condition. The Medicare Basics is more complicated than some would think.

Cigna | It’s a Cigna secret…

One of Cigna’s best-kept secrets is our dedicated phone line for new customers!

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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