Health Insurance Solutions for Individuals
1. Qliance + individual high deductible health plan
An affordable comprehensive health care solution for individuals who are currently uninsured, self-employed or enrolled in COBRA.
If you are currently uninsured, self-employed or enrolled in a COBRA plan, you may want to consider purchasing a low cost, high deductible health plan (HDHP) for catastrophic coverage and joining Qliance for your routine primary and preventive care. This combination works well if you cannot afford to purchase traditional low deductible individual health insurance, or simply feel you are paying too much for and getting too little from your existing insurance coverage.
Sometimes referred to as a "catastrophic" health insurance plan, an HDHP is a relatively inexpensive plan that generally doesn't pay for the first $1,500 or more of health care expenses (i.e., your "deductible") but will provide coverage after that. Some plans have a co-pay and co-insurance after meeting your deductible, others do not. Certain plans also include some specialist coverage before meeting one’s deductible or include health savings accounts (HSAs) for non-covered care.
The combination of Qliance primary care plus an HDHP leverages the best characteristics of both types of health care coverage─the better access, exceptional service and low prices that are the hallmark of Qliance direct primary care plus the affordable “catastrophic” coverage provided by a high-deductible insurance plan.
To learn more about the cost and coverage options of individual high deductible health plans (specifically, plans from insurance carriers that complement Qliance’ primary care service) please contact our business office at (206) 381-3030 or email Qliance. You can also look at our analysis of the costs and benefits to HDHP insurance and shop plans here!
2. Qliance + Medicare
A great way to receive better primary care and lower your monthly out-of-pocket expenses.
If you are currently paying a monthly premium for a Medicare suppliment (also known as Medigap), switching to a lower-premium Medicare Advantage plan may save you money. These plans offer a range of covered benefits and services, and are available from $99 to even $0 per month. Please contact Larry Cook from the Seniors Insurance Group at their Medicare Hotline (206) 307-5585 for more information.
Please Note: Qliance has been advised by its professional advisors that the views expressed by Qliance as to the use of these various tax-favored plans are essentially correct. Qliance cannot offer tax advice, however, or suggest that you rely on the advice it has received, so your individual tax advisor or consultant should be contacted for guidance before you actually utilize any of these tax-favored plans in connection with the payment of Qliance fees.