North Dakota Health Insurance Exchange Rates and Plans + Cost-Effective Solutions for ND

 North Dakota Health Insurance Exchange Rates and Plans 

 

The North Dakota Health Insurance Exchange rates and plans can be found on the official site. However, you may not need to go there.  You can use the Obamacare Calculator found on this site under the “Obamacare Calculator” page heading to quickly input your data to give you an accurate idea of what your costs may be.  When using the North Dakota Health Insurance Exchange rates and plans model associated with the FFM (Federally Facilitated Marketplace), you need to be fully aware of your out-of-pocket costs (cost-sharing responsibilities), deductibles, and premiums.  They’re significant.

Some will qualify for subsidies.  Most will not.  Lots will find the Obamacare rates and plans too expensive.  The Obamacare facts are presented for you on this site objectively. You should read the “Home page and “About Us” page to get familiar with the terminology, jargon, and health reform requirements.  There is a page on this site dedicated to the tax consequences for noncompliance called the Obamacare Tax Penalty Chart.  You can also find out what the 10 Essential Benefits are that are included in all QHP (Qualified Health Plans) whether part of the Obamacare Marketplace OR the private sector such as major medical plans and group benefits through employers.

You may want to make this site your “homepage” for Obamacare and how you can manage it wisely, safely, and cost-effectively.  If you do NOT feel North Dakota Health Insurance Exchange rates are affordable, you will want to consider other options.

Review the illustrations below, do some quick comparisons, and see if “telemedicine” plans like those such as HouseCalls 24/7 and other supplements to cover your deductibles and out-of-pocket expenses make sense for you, your family, and/or your business.  You may want to bookmark this page for future reference.  We’re confident you will want to use this specific website for your “go to source” for Obamacare as well as the private sector options and other alternatives you have to get the healthcare insurance and medical access you want within your budget.  BTW, like us on Facebook!

If you do not find affordable plans and reasonable access to doctors, hospitals, and specialists through the North Dakota Health Insurance Exchange rates and plans, click on the links below to get FREE quotes and comparisons for more affordable and cost-effective health plans and supplements for you and your family.  Business owners should consider these illustrations, too. Get better benefits for less money!

Illustration 1:

Consider this example for a family of 4 earning $68,000 a year MAGI:

Two adults in their 40s (non-tobacco) + Two children under 18.

Deductible is $4,000

Monthly “Silver” Premium via North Dakota Health Insurance Exchange is $520

Family is responsible for $6,238 in premiums, $4,000 deductible, and up to $12,700 in healthcare costs (above premiums).  If any family member incurs an illness, accident, cancer, or other debilitating condition, the family could be on the hook for nearly $20,000 in out-of-pocket costs in one year{$6,238 + $4,000 + $8,700 in additional charges}  You should bear in mind another critical element of healthcare in the United States.  This illustration does NOT include all of the additional costs, expenses, and fees you would likely incur in the event one of these infirmaries beset you, your family, or your employees.  How would you maintain your income?  How would you pay for travel to see doctors or specialists?  How would you family survive the financial downfall from a medical setback?  Do the Obamacare facts indicate you will be okay financially when you choose a plan thru a North Dakota Health Insurance Exchange?

Further, this family will likely have to wait several weeks if not MONTHS to get in to see a doctor, specialist, or ancillary healthcare provider given the influx of new people into the system.  The Obamacare facts and forecasts project somewhere between 30 – 50 million more people will be in the healthcare system.  As a result, an already overburdened medical community with a shortage of primary care physicians (PCP) will be flooded, taxed, and overwhelmed to even larger scales. Sound good to you?

We didn’t think so.

Consider the same illustration using private sector plans and supplements:

Two adults in their 40s (non-tobacco) + Two children under 18.

Deductible is $10,000  (whether thru employer/group benefits or stand alone)

Monthly Major Medical Premium thru Work or Private Sector is  $300

Telemedicine Plan/Month:   $30  (HouseCalls 24/7 access to a doctor from home)

First Diagnosis Cancer Month:  $40  (Cash of $10k to $50k paid to YOU)

Critical Illnesses Mo. Premium: $45  (Cash of $10k to $50k paid to YOU)

Accident & Injury Mo. Premium  $40  (Cash of $10k to $50k paid to YOU)

Disability/Long-Term Care, etc  $35  (Cash of $10k to $50k paid to YOU)

Total Monthly Premiums for Private Major Medical with 5 Supplements =   $490

The bottom line:  The family of four in this illustration would get better benefits for less money!  The family has 24/7 access to a Board-certified physician from the comfort of their home (no waiting weeks or months for an appointment) via phone or Internet with its “telemedicine” plan through “HouseCalls 24/7.”  The family is protected financially in the event it must incur significant medical costs and it must start paying the deductible.  Fortunately, the supplements kick in at first diagnosis of cancer or critical illness as well as at the time of any accident or disability (hopefully this never happens to anyone in this family or YOU).  This ensures the family is gets the medical attention it needs and the healthcare services it wants because it has a major medical policy in hand as well as the right supplements for its medical profile.  With the combination of a high-deductible private sector major medical plan and the right blend of telemedicine and supplements to “fill the gaps” nicely, the family in this illustration gets the peace of mind of knowing it’s financially protected as much as it is medically covered to meet its common needs as well as any potential catastrophic needs.

The North Dakota Health Insurance Exchange can’t do this for you.  It just can’t!

Illustration 2:

You have major medical thru work or thru the Marketplace.  You raise your deductible to $10,000 (or your employer raises your deductible to $5,000 or $10,000) and you save (or your employer saves) about $300 a month ( on average for a family of four, non-smokers, and other criteria).  You take the $300 in monthly savings and “fill in the gaps” by getting yourself and your family better benefits and protection.  You may ask your employer to include these supplements as part of your group benefits package in order to get the medical services and financial protection you need.  It’s a win-win for everyone involved.

The “better benefits for less money” than what you’re likely going to pay in the Obamacare system include:

1. HouseCalls 24/7:  (“Talk to a Doc telemedicine plan $30/mo. for a family of 4)

2. First Diagnosis Cancer:  ($40/mo. pays deductible and cash to you up to $50k)

3. Critical Illness Policy:     ($45/month pays your deductible plus cash to you)

4. Accident & Injury Plan:   ($40/month pays your deductible and up to $50k to you)

5. Disability/Long-Term Care: ($35/month pays deductible and up to $50k to you)

The bottom line:  You save $300/month (or more) with a higher deductible and spend approximately $190/month or so of your savings on these 5 supplements.  The supplements “fill in the gap” of $10,000 known as your deductible and GIVE YOU CASH to spend any way you want.!

These policies and subscriptions are designed to protect you and your family much better while giving you the flexibility and comfort of knowing you will receive the medical care you need, cash of you get sick, and the ability to stay at home while you talk to a doctor when you need to.  You also get the personal convenience of having a doctor write your prescriptions for you without leaving your house or missing work!

You can’t do that through any North Dakota Health Insurance Exchange plans.

You just can’t!

Illustration 3:

Family of Four with Traditional Healthcare Benefits thru Work:

Major Medical Monthly Premium (Group Benefits at Work):     $1,500

Employee’s Monthly Premium (1/2 of Group Monthly Rate):     $  750

Deductible:    $1,000

Family of Four with Telemedicine & Supplements + Group Benefits:

Major Medical Monthly Premium (Group Benefits at Work):     $  900

Employee’s Monthly Premium (1/2 of Group Monthly Rate):     $  450

Deductible:    $10,000

Monthly Savings to Employee:    $ 300

Telemedicine Plan Monthly:         $ 30

Critical Illness Policy Monthly:        $ 40  (Pays $10,ooo to $50,000 to Employee)

First Diagnosis Cancer Policy:      $ 45  (Pays $10,000 to $50,000 to Employee)

Accident & Injury Policy Monthly:   $ 40  (Covers actual costs up to deductible amount)

Long-Term Care/Disability Month  $ 35  (Cash to Employee for expenses)

Total for Telemed & Sups:        $ 190  (Result is Better Benefits for Less Money)

Industry leaders, healthcare insurance specialists, and medical practitioners refer to this supplement protection plan as a no-brainer!  It makes sense!  And it’s affordable! Speaking of affordability, you should take a moment to see if you can save money on your home, auto, and life insurance needs.  Healthcare in America is going to become more expensive.  That’s just the way it is.  Be smart.  Shop for what you need using FREE quote resources to get the most cost-effective coverage and protection. It may not be available to you thru North Dakota Health Insurance Exchange rates and plans. Shop here!

Click on the links below to open new windows that will bring you to the web sites you prefer to get the benefits, healthcare choices, services, and desirable supplements you want!  If you need to manage a budget and cut expenses, a link to Farmers Insurance is provided for auto, home, life, and investments.  Free quotes and consultations available.

To get better benefits for less moneyclick on links below for HouseCalls 24/7, Manhattan Life Direct, and Farmers Insurance Group.  But first, learn more about what “telemedicine” is and how it may work for you, your family and your business.

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What is Telemedicine?

The American Telemedicine Association defines Telemedicine as “the use of medical information exchanged from one site to another via electronic communications to improve patients’ health status.”  This definition is taking on new meanings in the medical community as well as society in general today given health reform.

The term “telehealth”, “e-health” and “telemedicine” are often used interchangeably. The difference being that telemedicine involves using information technology primarily for the delivery of clinical services while telehealth and e-health also include the provision of non-clinical healthcare services like tele-education and tele-training for continuing medical education, practice management, research and administration.

Telemedicine is practiced when medical services like health consultations, diagnoses, procedures, patient report analysis, monitoring and so on.  They are electronically provided by practitioners to patients based in remote locations using telemedicine technology and equipment. They are also provided to subscribers who cannot wait months for care.

Telemedicine is evolving.  There are innovative and much needed solutions now in the medical marketplace to assist people with their healthcare needs and wellness.  The use of technology is expanding and allowing more people more access to Primary Care Physicians (PSP), doctors, specialists, and supporting healthcare professionals who offer a wide array of services.  Some medical practitioners suggest their practices will include more telemedicine patients in the future.  For example, if health reform creates significant stress on an already overburdened healthcare system, many patients may choose to use telemedicine to help them get basic medical care, a wellness plan, and a prescription written.  Industry experts feel many people will subscribe to service providers who offer telemedicine.  These subscribers will be able to video conferences, telephone consultations, and email exchanges with Board certified physicians in their areas so that the subscriber (patient) can get a diagnoses, course of action, and a prescription when necessary without having to make and appointment to see a doctor face-to-face.  This saves the patient (subscriber) considerable time, effort and money.

Benefits of Telemedicine

Telemedicine services aim to replace or at least equal traditional clinic visits, face-to-face consultations and visiting nurses.  Telemedicine plans save costs and provide better care in locations where the quality of healthcare is not up to the mark. So far, around 50 medical subspecialties have adopted telemedicine with radiology turning out to be a heavy user. Teleradiology is widely used to electronically transmit x-rays, CT scans and other images to remote providers for evaluation and assessment.

Other branches that have resorted to telemedicine to improve their quality, reach and accessibility are dermatology, ophthalmology, psychiatry, cardiology and pathology.

Telemedicine technology allows patients to avail of quality consultations, monitoring, electronic housecalls, testing, diagnosis and treatments from remote locations that may lack the required medical services, connecting patients and practitioners via an integrated, global healthcare system. With telemedicine, practitioners can provide improved diagnoses and better treatments due to comprehensive digital data that is available to them offline and over the web. Follow-ups and monitoring patients becomes easier and more efficient owing to automated active monitoring devices that provide continual and constant connectivity between the two parties. As for patients in remote or under-served areas, telemedicine gives them access to world-class medical services without having to travel or shift base. This not only helps them gain valuable medical advice and treatment from top medical specialists but also saves on their travel expenses, unnecessary hospital visits and in many cases, cost of medicines and expensive health facilities.  It also allows patients to talk to a doc 24/7 from home when they simply don’t feel up to making a trek down to the doctor’s office.

More so, many people can’t wait 2-3 months for an appointment with a doctor simply to get a prescription written or refilled.  With the influx of new people into the healthcare system as a result of the health reform, long lines for ER services and even longer waits for doctor’s appointments are expected. You need fast and convenient medical attention and wellness services for common and everyday ailments like colds, the flu, respiratory infections, migraines, joint pain, back aches, rashes and other infirmaries.  You will be able to get medical attention thru a telemedicine visit online or by phone. You can’t do that with North Dakota Health Insurance Exchange plans!

Controlling Health Costs with Telemedicine

Many people are struggling with the soaring deductibles and formidable monthly premiums of traditional medicine and common major medical plans whether purchased through an employer (group benefits) or independently on the open market from major providers.  An increasing number of Americans are realizing they rarely, if ever, exceed their $1,000 or $2,000 deductibles in any given year.  As a result, they’re wondering why they’re paying so much for a major medical plan that’s very expensive and usually has little benefit.

Enter the world of telemedicine and cost-effective supplements.  Many Americans are choosing to raise their deductibles to $10,000 in order to lower their monthly premiums.  Scores of people are saving $300 to $500 a month when they do…depending on family size, zip code, availability of services, and other criteria.  These thrifty and savvy Americans are then using some of these monthly savings to buy telemedicine plans and other supplements to give them the healthcare and medical services they most commonly need at more affordable prices while “filling in the gaps” of the high deductible financial exposure in the event of a catastrophic injury or illness. The illustrations provided articulate how you can better protect yourself financially, save money each month on premiums, and save time and effort when you need to talk to a doctor for your common medical and healthcare needs to include prescriptions.  Can you wait months for a prescription?

According to a recent study conducted by the Kaiser Family Foundation, the average cost of health benefits in the private sector rose to over $16,000 annually.  Given the rate of inflation and the anticipated increases in healthcare costs once health reform begins, this amount is expected to increase substantially beginning in 2014.  Employers will be looking for ways to manage these costs.  Many employers are notifying their employees now that they can expect either higher deductibles, higher premiums or both.  Some leading national retail brands are already on the record publicly stating their benefits package will have a $10,000 deductible starting January 1, 2014.  This gives employees the incentive to seek out and find more affordable and effective healthcare solutions that meet their most common needs.  Many people are finding “telemedicine” to be appealing.

Given the illustrations, many people are expected to enroll in supplement plans and to become subscribers to telemedicine plans like “HouseCalls 24/7” that allows its members to have direct access to a Board certified physician in the patient’s area with unlimited use from the privacy and convenience of their homes, offices or even cars as the case may be.  This allows for immediate access to a doctor and feeling better faster.

Coupling a telemedicine plan with catastrophic accident and illness supplements gives the patient the peace of mind his or her most critical medical needs will be met and the significant financial costs will be covered given the appropriate supplement plan is in place for protection.  The North Dakota Health Insurance Exchange rates and plans leave a lot of “gaps” for people.  We think these supplements will better suit your needs.  While some may be served by the North Dakota Health Insurance Exchange, most will not.

Through the link below, you can learn more about telemedicine providers such as HouseCalls 24/7″ to see if a telemedicine plan and supporting supplements can provide you, your family, and your business with a more affordable and cost-effective approach to your medical needs and healthcare services you most commonly use.

-Each link opens a new window.

Click Links for FREE Quotes on Health Plans N. Dakota Does NOT Offer

HOUSECALLS_Logo.1The North Dakota Health Insurance Exchange rates and plans are too expensive for many. Lots of people are opting for “telemedicine” plans that allow patient access to a Board-certified physician from the comfort of their homes with unlimited use. Starting as low as $19.95/month.

Family of Four plans are only $29.95 a month!

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Let the major industry names you trust compete for your business!

-Manhattan Life LogoCash up to $50,000 to YOU!
(Cancer, Critical Illness, Accident, etc)
Covers Your Deductible and Gives YOU Cash for Daily Living Expenses

Not Available through the North Dakota Health Insurance Exchange!

-Farmers Ins TV PersonalityHealthcare rates aren’t the only things going up in North Dakota.

Get a FREE quote from Farmers to save money on your home, auto, boat, RV, jet skis, ATV, collectibles, and investment properties.
We also have renter’s policies.

We are Farmers!

 

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