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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

Cigna | Increased HRA Payments for 2023

Get excited! Starting with 2023 effective this AEP, you can earn $125 when you enroll your Cigna Medicare Advantage customers in an eligible Medicare D-SNP or C-SNP plan and facilitate a health risk assessment (HRA) with Cigna’s Value-Based Enrollment initiative.

Aetna | CMS final rule requirements | New D-SNP HRA amount | Video podcasts and more

Earn a $110 administrative fee if your new D-SNP member completes the HRA

Wellcare | Important CMS Regulatory Update: New Call Recording and TPMO Disclaimer Requirement

We would like to inform you of new requirements for Third-Party Marketing Organizations (TPMO) resulting from a recent ruling made by the Centers for Medicare and Medicaid Services (CMS).

Humana | One card, multiple ways to support your client’s health

Plan allowances just got more convenient. For 2023 plans, we’ve created 1 convenient card with up to 3 allowances—the Healthy Options allowance (replaces Healthy Foods Card),

Anthem | Easy Access to OTC Benefits, Account Balances & MORE

AEP 2023 is bringing big changes to how your current & prospective clients access popular benefits like OTC, Healthy Grocery, Flex Accounts, and MORE!

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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