Find Affordable Health Insurance Plans In Virginia
Health Insurance Plan Benefits
Doctor's Office and Specialist Visits
Preventive and Wellness Care
Lab and Diagnostics
Hospitalization and Surgery
Access to a National Network of Physicians
Enter your Zip Code below to receive details on plan benefits and to get your FREE rate quotes!
Why is e-Store Health Insurance the Best Choice for online shopping?
There are several reasons to consider using our service, such as:
- Price Protection – You’ll pay the lowest price for your health insurance and our services are completely free. In fact, with our customized plans, our clients often spend less money for better benefits.
- Personal Assistance – You’ll have a “personal assistant” who will do all of the “legwork” for you. (price shopping, comparing benefits and searching for providers, etc…)…all at no cost to you.
- Ongoing Service – Whether you have questions about benefits, claims, rate increases or policy changes, you’ll always have an advocate when you need one. We are committed to consumer service before, during and especially after a choice is made.
- Privacy – Because we are the actual licensed agency you'll be working with and not a 3rd party, your information only comes to us and will never be shared with other entities. (This is what our clients like most about doing business with us). :o)
Which Type of Health Insurance will work best for my situation?
Whether you're looking for health insurance coverage for the first time or you've done this before, there are two schools of thought on how to determine which health insurance plan is right for you. The first one is based on how comprehensive the benefits are and the other is based on the monthly cost. The most satisfied consumers who work with eStore Health Insurance are those who find a balance between the two... affordable health coverage for a reasonable monthly price. The most popular types of health insurance coverage available are Obamacare, Short Term Medical Insurance, Faith-Based Medical Sharing Programs and Fixed Indemnity Health Insurance. We'll cover those in more detail below.
What is ObamaCare?
Obamacare health plans first became available in 2014 via the passage of the Patient Protection and Affordable Care Act on March 23, 2010. Obamacare health plans are guarantee issue, which means health insurance companies are prohibited from denying health coverage to anyone based on pre-existing health conditions. In addition, the premiums for these healthcare plans are the same for everyone based on their given age, regardless of pre-existing conditions. Health insurance subsidies are available to those who qualify and can reduce or even eliminate the monthly cost depending on your income. If you qualify for a subsidy, your health quotes will reflect a reduced monthly cost.
What if I missed the Obamacare Open Enrollment period?
Enrollment in an Obamacare plan is limited to a 6 week annual open enrollment period (OEP), which was November 1st - December 15th 2018 for a 2019 effective date and has yet to be determined for 2019 enrollments for a 2020 effective date. If you missed Open Enrollment this year, there are two ways you can still get a 2019 Obamacare health insurance plan. 1) By qualifying for a "Special Enrollment Period" (SEP) due to a "Qualifying Life Event" (QLE), such as losing other heath insurance coverage, changes in household, changes in residence and a few others. 2) If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). If you don't qualify for a Special Enrollment Period, don't worry, there are several great health insurance options available to you all year long. (See Below)
Are there alternatives to Obamacare?
YES! The top three reasons our customers give for not enrolling in an Obamacare plan are:
- They missed the annual Open Enrollment Period.
- They don't have a Qualifying Life Event (QLE) in between open enrollment periods and don't qualify for Obamacare.
- They qualify for Obamacare, but don't qualify for a subsidy and the Obamacare plans are too expensive.
Whatever the reason, eStore HealthInsurance.com can help! There are several affordable healthcare options to Obamacare plans. The most commonly chosen by our customers are:
- Short-Term Medical Insurance
- Faith Based Health Plans
- Fixed Indemnity Health Insurance
- Supplemental Health Insurance
What is Short Term Medical Insurance?
Short-Term Medical Insurance is a healthcare plan with a limited duration, usually less than 12 months. These plans are typically purchased by those who need temporary coverage to fill the gap in between long term health insurance plans, such as employer sponsored coverage (Group Insurance) or ACA-Marketplace plans (Obamacare).
The ideal candidate for a Short-Term Medical plan would include those who are changing jobs, students coming off of their parents health insurance plan and those who missed the annual open enrollment period for Obamacare or can't purchase an Obamacare policy in between open enrollment periods because they don't have a qualifying life event (QLE).
Short-Term Medical plans are typically less expensive than traditional health insurance plans. The benefits and coverage designs vary depending on the carrier, but the more popular plans include benefits for doctor's office visits, preventive and wellness care, diagnostic testing, emergency room, urgent care, surgery and hospitalization.
What are Faith-Based Medical Sharing Programs?
Faith-Based Medical Sharing Programs are more commonly known as "Healthcare Sharing" and are offered by organizations called Healthcare Sharing Ministries. Healthcare Sharing Ministries facilitate the sharing of medical expenses among groups of individuals and families who have united to share each other's medical bills. These programs are exempt from the Affordable Care Act (ObamaCare). Medical Sharing programs have become so popular, that In 2015, The New York Times stated that membership has grown recently because of the healthcare sharing ministries' exemption to the insurance mandate of the Affordable Care Act, and that monthly cost of membership in a healthcare sharing ministry is generally lower than the cost of traditional health insurance. In 2015, the Seattle Times also reported that membership has grown significantly in recent years.
Medical Sharing Programs can be as much as 50% less than a traditional health insurance policy. The program designs vary depending on the carrier you choose, but our most popular faith based program includes features like Doctor's Office and Specialist Visits, Preventive and Wellness Care, Prescription Drug Programs, Lab and Diagnostics, Urgent Care, Emergency Room, Hospitalization, Surgery and Maternity. These programs also provide access to a national network of physicians through the MultiPlan-PHCS network.
What is Fixed Indemnity Health Insurance?
Fixed Indemnity Health Insurance (also known as Fixed Benefit Insurance), pays a set dollar amount per each covered medical expense. These plans differ from the traditional health insurance plans you might be used to by paying First-dollar benefits with no deductibles or copays to satisfy. Unlike Short-Term Medical Insurance, Fixed Benefit Plans are not limited in duration and may be kept in force as long as you continue to pay your monthly premiums.
Fixed Benefit Plans can also be significantly less expensive than traditional health insurance plans. The benefits and coverage designs vary depending on the carrier you choose, but some of the most common plans include first-dollar benefits for doctor's office visits, emergency room, urgent care, hospital stays, surgeries, lab work and more.
What is Supplemental Health Insurance?
Supplemental Health Insurance plans help cover the financial gaps left by the deductible and co-insurance amounts you must pay on your primary medical insurance policy before your benefits kick in. With the recent price increases on Obamacare plans, many insurance buyers just like you are forced to take higher deductibles in order to afford the monthly cost of insurance. Supplemental health plans pay CASH TO YOU for Major Illnesses and Accidental Injuries in order help you keep your out of pocket costs to a minimum. We typically match the deductible you choose with the supplemental benefit amount you'll receive. For example, if you choose a $2,500 deductible, we would choose a $2,500 cash benefit amount (paid to you) to cover it. If you choose a $5,000 deductible, then a $5,000 cash benefit would be selected, and so on.
To learn more about these great healthcare alternatives or to receive a free health insurance quote and consultation, call one of our licensed healthcare specialists at 877-202-9412.
Over 161,000 Policies, Let’s See What Our Customers Have To Say!
I would like you to know that after speaking with Asia, it was because of her professionalism, kindness and sincerity in obtaining the best health coverage possible for me, that I decided to go with her. Asia is truely an asset to your company, but I would assume that you are aware of that already. Thank you again.
Robert S., 2019
I just wanted you to know that I talked to Dan today and he is a credit to your company. He took the time to research things that were important to me, checked to see if my doctor was in network, etc. He speaks very highly of the company itself. He did a conference call with me to show me comparisons on medical insurance quotes and carrier ratings. He was very helpful and I appreciated his attitude and customer service. His degree of helpfulness is uncommon these days. I was impressed.
Tyler P., 2019
Today Tiara helped me choose the right health insurance plan and she was excellent! She respected I knew my way around insurance lingo and we were able to discuss specific facts/options with ease. She took her time, chatting with me while verifications were in process and made the entire process easy and even enjoyable. She is an outstanding employee representing your company and I sincerely hope her work ethic is acknowledged and appreciated. I know I thanked her!
Andy S., 2019
I had the pleasure of working with Joey this morning on selecting a new health insurance plan. Joey not only provided honest and accurate information, but addressed all of my questions and concerns with simple explanations and a great sense of compassion. I strongly believe in commending any person when he/she goes above and beyond in whatever they do. I feel that Joey did just that. He actually made an unpleasant task painless. Thank you, Joey. Keep up the wonderful work! You were a breath of fresh air.
Eileen C., 2018
Enter Zip Code below to receive details on plan benefits and to get your FREE rate quotes! See how much you can save.
Call 877-202-9412 to speak with one of our friendly healthcare specialists! Help is just seconds away!