Welcome!  Thank you for your interest in ACA/Obamacare Alternatives from Hummingbird Insurance.

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Alternatives to the ACA: 3-point plan

The idea is simple: the short term medical policies provide catastrophic coverage, while the indemnity plan(s) should help you cover the deductible of the short term plan and/or the lost wages, extra bills and costs that usually accompany medical care. The third piece of the puzzle includes medical access and care.  We recommend a cash-based Direct Primary Care clinic, lke Integrative Family Medicine of Asheville, or for a lower-priced option, Telemedicine from Allyhealth. Hummingbird agents are able to offer a 50% discount on the Integrative Family Medicine of Asheville enrollment fee!

For a more complete explanation of the ideas below, take a look at our recent blog post for the Asheville Home Builders Association. Below are some main points of consideration for Alternatives to Obamacare/ACA coverage; please read the product brochures for full details available on the carrier websites.  Most clients who pay full price in the Marketplace are able to save 50-75% off their current premiums, including all 3 points of the plan below:

1. Indemnity:

Cash to help cover the bills (or deductible)

  • Simply put, an indemnity plan says “If X happens, then you get imbursed $Y”
  • Some categories include Hospital, Accident, Cancer, Critical Illness, and others
  • Several new Combination or Hybrid Multi-Level indemnity plans are now available
    • e.g., See the ‘Health ProtectorGuard’ options and other plans from UHOne
  • May be either “fixed” or “coordinated“ indemnity benefit design. ‘Fixed’ is the stated amount, whereas ‘coordinated’ means reimbursement only for actual monies spent

2. Short-Term Medical:

Essential catastrophic coverage

  • Up to 91 days coverage per plan; 2 plans can be combined upfront, with the second plan acceptance guaranteed in the case of medical need during the first period - referred to as a “3x2” plan. Deductibles per period are adjustable, from $2500 - $12,500/person
  • Does NOT cover pregnancy, mental health or substance abuse
  • Is medically-underwritten. Applicants may be denied, or pre-existing conditions may be excluded from plan coverage. 12 months’ wait on PreX for previous 12 months history
  • Many plans from Hummingbird provide up to $2 million coverage for medical needs
  • Affordable rates. Usually much lower than ACA depending on age, area + tobacco use

3. Primary Care and Medical Access:

Direct Primary Care at Integrative Family Medicine of Asheville (integrativeasheville.org)

  • Unique partnership with the #1-rated cash-pay clinic in WNC to discount your entry fee!
  • IFMA provides direct primary care with an integrative focus at reasonable prices
  • Membership-basis with monthly fees allows IFMA to keep copay low at $20/visit
  • Membership termination in under 12 months results in $250 early cancellation fee
  • Hummingbird clients are buffered from future monthly fee increases for 12 months

  or, Telemedicine/Telehealth access from Allyhealth + MDLive

  • Most affordable medical access available, at $12/mo or $100/yr for the WHOLE FAMILY with no extra per-visit charges or copays!
  • Access care anytime 24/7 from anywhere in the US
  • Help is available via a smartphone app, by the telephone, or online
  • Most common ailments can be treated; Rx prescriptions and labs can be ordered

Custom Alternatives Quote

For a personalized quote, complete the request below and one of our professional agents will be in touch within 1-2 business days. If you have any questions, please don't hesitate to call us directly at 828-372-0101 for free help.

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Hummingbird has plans available from the top-rated insurance companies in The South!

Here at Hummingbird Insurance, we specialize in working with the Affordable Care Act (ACA) for those under age 65, Medicare and its myriad of options for those over age 65, and the new healthcare reform landscape for everyone, by:

(1) Helping individuals and families whom are eligible for tax credit subsidies save money on the Health Insurance Marketplace, or healthcare.gov

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(2) Offering free consultations to employers and businesses in analyzing the best options and decision for their unique situation. We will find the right coverage for your employees and their families, and at the right premiums for everybody.

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