Find general information about our insurance products, services, and processes.
It is a system where individuals and families can apply for medical coverage, compare plans, and determine whether they may qualify for financial assistance. ACA, Marketplace, and Obamacare commonly refer to this coverage.
Generally, you must live in the United States, be a U.S. citizen or national or be lawfully present, and not be incarcerated. Final eligibility depends on the application. A person with Medicare cannot enroll in a Marketplace medical plan.
You may do so during Open Enrollment. Outside that period, you may qualify for a Special Enrollment Period because of certain life changes.
Examples include losing other health coverage, moving to a new area, marriage, birth or adoption, and certain household changes. Each situation has specific requirements and deadlines.
Some individuals and families qualify for premium tax credits or other savings based on estimated household income, household composition, and available coverage. The application determines eligibility and the applicable amount.
Marketplace plans cannot deny coverage, charge more, or deny essential health benefits because of a preexisting condition.
All include essential-benefit categories such as outpatient care, emergencies, hospitalization, maternity, prescriptions, mental health, laboratories, preventive services, and pediatric care. Services, networks, costs, and additional benefits vary.
Review the monthly premium, deductible, copayments, coinsurance, annual out-of-pocket maximum, provider network, covered prescriptions, and plan-specific benefits.
Applications generally require household information, address, immigration status when applicable, current coverage, and estimated income. Supporting documents may be requested.
Update the application promptly. Changes can affect the plan or financial assistance and may cause differences when filing a federal tax return.
We offer health and life insurance options, including medical, dental, vision, supplemental, and other alternatives. Availability varies by location, eligibility, and represented companies.
An agent can help review your needs, budget, providers, medications, and estimated expenses. Options and terms vary by product and insurer.
It depends on the plan. Review benefits, limitations, exclusions, provider networks, and costs before enrolling.
ACA-compliant health plans cannot deny coverage or charge more because of a preexisting condition. Other products may not provide the same protections.
It depends on the type of coverage and your circumstances. Marketplace plans have specific enrollment periods, with Special Enrollment Periods for certain events.
It is a contract under which an insurer may pay a benefit to designated beneficiaries after the insured dies, subject to policy terms.
The amount depends on income, debt, family responsibilities, and protection goals. An agent can help evaluate these factors.
They may help with certain preventive and other covered services. Benefits, waiting periods, networks, copayments, limits, and exclusions vary.
It may provide benefits for certain accidents, critical illnesses, or hospital stays. It does not necessarily replace primary medical insurance and may have limitations.
Temporary coverage that may be available in certain situations. It does not necessarily provide the same protections or benefits as ACA-compliant coverage and may exclude preexisting conditions.
Generally, clients are not charged to request guidance or review available options with an agent. Any service-specific cost would be disclosed in advance.
Complete the quote form with the requested initial information. Our team will review it and contact you about the next steps.
Use the Schedule an Appointment link to choose the meeting type, date, and an available time.
Have your questions and coverage-related information available. Do not send confidential medical, financial, or identification information through general forms.
Contact your agent or our team and identify the company and coverage type. We will help determine whether the request should be handled by RIA INSURANCE GROUP or the insurer.
Our team is available to help identify the next step.
