MRH Benefits News
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Did you know?
Cash Pay can save you up to 70% on your medical bills. You can cancel policies at any time (Except if you are on a Group Plan). Private PPO Plans are available year around but do require underwriting.
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ACA/Marketplace is available throughout the year for qualifying events. ACA is Guaranteed issue.
You don’t need to go where your Doctor sends you for Labs and Imaging. Save money by searching for lower cost facilities.
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You can get a good Private Plan, even if you have Diabetes Type 2 or some other Pre-Existing illnesses.
Emergency Rooms and Free-Standing Emergency Rooms cost 2 to 10 times more than Urgent Care.
Types of Health Insurance
There are basically three types of insurance for individuals outside of Group Insurance. Affordable Care Act/Market Place (HMO Network, Low cost for low income – High cost for higher income – Limited Network) Short Term (PPO Network - one month to three year terms – Must renew plan at end of term. Not guaranteed renewable) Indemnity (PPO Network – No Co Pays or Deductibles to meet – Guaranteed renewable)
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HMO Networks are generally limited geographically and usually require referrals for specialist visits.
PPO Networks are Nationwide, and you can see any Doctor at any time without a referral. More Widely accepted and cover both in and out of network.
EPO Networks are very similar to HMO Networks. They are called Exclusive Provide Organizations. Only cover in Network.
Marketplace is all HMO and EPO Networks, and fewer Doctors accept these types of plans compared to PPO Networks.
Why do business with MRH Benefits?
MRH Benefits represents over 30 different Insurance Companies. Finding the Right Plan and the Right Price is our specialty. Don’t overpay for a poor insurance product.
Work with a Broker that Cares about people and is there for you After the Sale!
MRH Benefits helps those under 65 and then again once you reach 65, we can help you with Medicare!
Health, Dental, Vision, Life and Medicare all from one Broker.