FREQUENTLY ASKED QUESTIONS

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The ACA, enacted in 2010, expands access to health insurance through marketplaces, subsidies, and protections like coverage for pre-existing conditions and no lifetime limits on essential health benefits. New Gen Health Solutions guides clients through the Health Insurance Marketplace to find ACA-compliant plans that balance affordability and comprehensive coverage.

 U.S. citizens or lawfully present individuals, not incarcerated or covered by Medicare, can enroll in Marketplace plans. Subsidies, such as premium tax credits, are available for households with incomes between 100% and 400% of the federal poverty level (FPL). Our team helps clients determine eligibility and apply for subsidies to reduce costs, offering clear guidance through the process.

 Open Enrollment typically runs from November 1 to January 15 annually. Outside this period, a Special Enrollment Period (SEP) may apply for life events like marriage, having a baby, or losing other coverage. New Gen ensures clients are informed about enrollment windows and SEPs to secure timely coverage.

 Private health plans are insurance policies for individuals or families, offered by trusted carriers and available outside the ACA Marketplace. ACA plans include essential health benefits for comprehensive coverage, while non-ACA plans offer more flexibility to suit your preferences. New Gen Health Solutions simplifies the process, comparing options to find the perfect plan for your health and budget needs.

 Our team provides tailored guidance to select private plans that balance coverage and cost, comparing premiums, deductibles, and provider networks to ensure the best fit.

 ACA alternatives, like short-term health plans and medical indemnity plans, don’t meet ACA requirements and may not cover pre-existing conditions or mental health & rehab. Short-term plans provide temporary coverage, while indemnity plans pay fixed amounts for specific services. New Gen evaluates these options to ensure they meet your needs, clearly explaining any limitations.

 Medical indemnity plans pay fixed amounts for specific services, like $50 for a doctor visit, and can supplement primary insurance to cover out-of-pocket costs like copays. They don’t meet ACA requirements and may have benefit limits. New Gen helps integrate indemnity plans with your existing coverage for cost-effective solutions.

 New Gen Health Solutions offers a range of life insurance products, including term life insurance for coverage over a set period, final expense insurance to cover end-of-life costs, and other specialized policies to meet diverse needs. Our team guides you in selecting the right plan to secure financial protection for your loved ones, aligned with your long-term goals.

 Transparency is central to our approach. We provide clear comparisons of policy terms, exclusions, and benefits, ensuring clients understand their options to make confident decisions about indemnity or life insurance products.