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, like Integrative Family Medicine of Asheville. For a lower priced option, Teladoc or telemedicine is a popular choice. Just ask your agent for the options available in your area.
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:
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