HEALTH

WHY ENROLL WITH CLRA GROUP?

MAXIMUM SAVINGS

We have saved our clients over $4,000,000 in federal subsidies as a result of healthcare reform.

6-MINUTE ENROLLMENT

We can enroll you in just six minutes without ever visiting the healthcare.gov website.

GREAT SUPPORT

We are the only agency that offers three ways to make sure you get EXACTLY what you want.

OVER 6,000 INDIVIDUALS ENROLLED AND COUNTING

TERMINOLOGY

Deductible


The amount you owe for covered health care services before your health insurance plan begins to pay.

Example: If your deductible is $2,000, your plan won't pay anything until you have met your $2,000 deductible for certain health care services that are subject to the deductible.

Maximum Out-Of-Pocket Limit


The maximum amount a health insurance policyholder will pay for covered health care costs over the course of the policy year.

This helps the insurer control risk by making the policyholder responsible for a portion of their healthcare costs.

After the policyholder meets the out-of-pocket limit, the health insurance carrier pays 100% of the allowed health care expenses.

This helps the individual avoid major financial problems associated with high healthcare costs.

Copay


A specified (flat) dollar amount for curtained healthcare services.

Example: Your health plan has a $25 per doctor visit, the $25 is the copay for the doctor visit.

Coinsurance


Coinsurance requires the insured to pay a certain percentage (%) of the covered costs.

Coinsurance vs. Copay


Coinsurance requires the insured to pay a certain percentage (%) of the covered costs.

Copay requires the insured to pay a specified (flat) dollar amount of the covered costs.

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