Heart of Robb Health · Private Health Insurance

Plans & coverage

What are you looking for?

Why Choose Individual or Family Health Insurance?

Comprehensive Coverage for All Needs

At Health Insurance with Scott, we understand that every family & individual has unique healthcare needs. We offer various plans, including options for preventive care, emergency services, prescription drugs & specialized treatments.

Peace of Mind for Your Family

Health insurance offers the peace of mind necessary to concentrate on your family’s health, assuring you of coverage in the event of an emergency, illness, or accident.

Affordable Private Health Insurance Plans

Health insurance doesn’t have to be expensive. Scott helps you compare different plans to find affordable coverage that fits your family’s needs, whether you qualify for subsidies or are looking for private insurance.

Flexible Coverage Options

At Health Insurance with Scott, we offer a range of options from major medical plans to catastrophic health plans that give you the flexibility to choose what works best for your situation.

Access to top national carriers
Subsidy eligibility check included
Year-round enrollment options available

Why Self Employed Health Insurance is Essential

Affordable Coverage That Works for You

Health insurance for self-employed individuals is often more affordable than expected. Scott will help you compare plans based on your income, budget, and healthcare needs to find quality coverage without paying more than necessary.

Flexible Plans for Your Lifestyle

Running your own business means your schedule is always changing. We offer flexible health insurance options that fit your lifestyle, including plans with preventive care, telehealth services, and comprehensive medical coverage.

Take Advantage of Valuable Tax Savings

Many self-employed individuals may qualify to deduct their health insurance premiums, helping reduce overall healthcare costs. Scott can guide you through your coverage options so you can make the most of available tax benefits.

Protect Your Health and Your Future

Whether you’re a freelancer, independent contractor, small business owner, or entrepreneur, having the right health insurance protects you and your family from unexpected medical expenses and provides peace of mind when you need it most.

Flexible deductible options
Tax-deductible premium guidance
No open enrollment restrictions on private plans

Why Small Business Health Insurance is Important

Attract and Keep Great Employees

A competitive benefits package can make all the difference when hiring and retaining top talent. Offering quality health insurance shows your employees you value their well-being while helping your business stand out in today’s competitive job market.

Invest in a Healthier, More Productive Team

Healthy employees are more engaged, productive, and dependable. Providing health insurance can help support your team’s overall well-being, reduce absenteeism, and improve employee satisfaction and retention.

Maximize Potential Tax Savings

Many small businesses may qualify for valuable tax credits or deductions when offering employee health insurance. Scott can help you explore your options and identify opportunities to make providing benefits more affordable.

Health Plans Tailored to Your Business

No two businesses are alike. That’s why Scott works with you to find health insurance solutions that fit your company’s size, goals, and budget. Whether you have a handful of employees or a growing team, there’s a plan designed to meet your needs.

Plans for teams of 2 to 50
Each employee picks their own plan
Employer contribution options

Why Do You Need Dental & Vision Coverage?

More Complete Protection

Your health insurance is an important foundation, but it often doesn’t include routine dental and vision care. Scott can help you add dental and vision coverage so you and your family have more complete protection for your overall well-being.

Focus on Prevention

Routine dental cleanings, eye exams, and preventive screenings help identify potential issues early, making it easier to maintain your health and avoid more costly treatments down the road.

Affordable Coverage That Fits Your Budget

Dental and vision plans are available as standalone coverage or can often be paired with your health insurance plan. Scott will help you find affordable options that provide the coverage you need without exceeding your budget.

Benefits for the Entire Family

Whether it’s your child’s first dental visit, annual eye exams, braces, contact lenses, or new prescription glasses, dental and vision plans offer valuable coverage for every member of your household.

Preventive care covered from day one
Major dental work included
Vision exams and eyewear allowances

Why Do You Need Critical Illness Coverage?

Financial Support When You Need It Most

A serious illness can create unexpected expenses beyond your regular medical bills. Critical illness insurance provides a lump-sum cash benefit after a covered diagnosis, helping ease the financial burden during a difficult time.

Benefits You Can Use Your Way

The cash benefit is paid directly to you, giving you the flexibility to use it where it’s needed most. Whether it’s medical expenses, household bills, travel for treatment, childcare, or replacing lost income, you decide how to use the funds.

Added Protection Alongside Your Health Insurance

Critical illness insurance is designed to complement your existing health coverage, not replace it. It provides an extra layer of financial protection to help you prepare for life’s unexpected health challenges.

Confidence for Whatever the Future Holds

Scott will help you understand your coverage options and choose a plan that fits your needs, so you and your family can feel more prepared if a covered critical illness occurs.

Covers cancer, stroke, heart attack and more
Lump-sum payout, no receipts required
Pairs with any primary health plan

Why Do You Need Accident Protection?

Protection for Life’s Unexpected Accidents

Accidents can happen when you least expect them, whether it’s a fall, a sports injury, or an automobile accident. Accident insurance helps provide financial support when a covered injury disrupts your life.

Help With Out-of-Pocket Expenses

Even with health insurance, unexpected costs can add up quickly. Accident coverage can help with expenses such as deductibles, copayments, coinsurance, and other everyday costs while you’re recovering from a covered accident.

Affordable Coverage for Added Peace of Mind

Accident insurance is often an affordable way to strengthen your financial protection. With low-cost options available, it’s an easy addition that can help reduce the impact of unexpected injuries.

Works Alongside Your Health Insurance

Accident insurance is designed to complement your existing health plan by providing an extra layer of financial protection. Scott can help you find coverage that fits your budget and gives you greater confidence when life takes an unexpected turn.

Covers ER visits, fractures & injuries
Simple, fast claims process
Pairs with any primary health plan

FAQ

Common questions

Can’t find what you’re looking for? Ask Scott directly.

Private health insurance is coverage that you purchase from a private insurer, rather than through government plans. It offers more flexibility, allowing you to choose from a variety of plans with different levels of coverage and access to a wider network of healthcare providers. Private health insurance is available through employers, the marketplace, or purchased directly from insurance providers.

Small business health insurance provides coverage for a business’s employees and, in some cases, their families. Typically, businesses with fewer than 50 employees can offer group health plans. Small business owners can either provide coverage themselves or help their employees access coverage through the Health Insurance Marketplace or private insurers. Offering health insurance helps improve employee satisfaction, retention, and productivity.

Self-employed health insurance is designed for individuals who work for themselves, including freelancers, consultants, and business owners. Since self-employed individuals do not have employer-sponsored health plans, they must seek individual coverage through the Health Insurance Marketplace, private insurers, or other options. Self-employed health plans can be tailored to meet the unique needs of entrepreneurs, offering flexibility and affordable coverage.

Family health insurance provides coverage for you, your spouse, and children under a single policy. This plan covers medical services for all family members, such as doctor visits, hospital stays, prescription drugs, and preventive care. Family plans can be obtained through an employer, the Health Insurance Marketplace, or private insurance providers, depending on your needs and eligibility.

Private health insurance plans typically involve paying monthly premiums to your insurer in exchange for coverage. Depending on your plan, you may also be responsible for a deductible, co-pays, and co-insurance. Plans vary in terms of coverage, provider networks, and costs. These plans can be customized to meet your specific healthcare needs, and many offer additional benefits like dental and vision coverage, mental health support, and wellness programs.

Customizable Plans: With private insurance, you have access to various plans tailored to your needs, including PPO, HMO, and HDHPs (High Deductible Health Plans). This flexibility allows you to choose a plan that offers the right balance of coverage and affordability.
Broad Provider Networks: Private health insurance plans typically offer a wider range of doctors and healthcare facilities, making it easier for you to find a plan that works with your preferred providers.
Comprehensive Coverage: Private health insurance often includes broader coverage, such as dental, vision, mental health services, and specialized care, ensuring you get well-rounded protection for all your health needs.

Self-employed individuals should look for plans that provide comprehensive coverage at an affordable price. The Health Insurance Marketplace (ACA) is a great option for those who qualify for subsidies, but private plans may offer more flexibility and customization. Self-employed individuals can also explore options like Health Savings Accounts (HSAs) to save on premiums and out-of-pocket costs.

Affordable Options: Self-employed individuals can access plans with various price points to match their budget. The ACA Marketplace offers subsidies for those who meet specific income requirements, while private plans provide flexibility.
Tax Deductions: Health insurance premiums for the self-employed are tax-deductible, reducing your taxable income and making coverage more affordable.
Access to a Wide Range of Plans: Self-employed individuals can access PPO, HMO, and high-deductible health plans (HDHPs) that provide coverage tailored to their unique healthcare needs.

Small business health insurance works by offering group plans to employees of small businesses. These plans allow employers to provide health coverage to their team members at a lower cost than individual plans. Typically, the employer will pay a portion of the premiums, and employees will cover the rest. Small business owners may also be able to take advantage of tax credits and other benefits to offset the cost of providing health insurance.

Attract & Retain Talent: Offering health insurance as an employee benefit helps you attract skilled workers and retain current employees, improving overall business performance.
Tax Incentives: Small businesses may qualify for tax credits through the Health Insurance Marketplace, making it more affordable to offer health insurance.
Increased Productivity: Health insurance promotes employee wellness, reducing absenteeism and enhancing productivity.

When choosing family health insurance, it’s essential to assess your family’s healthcare needs. Consider factors like the number of doctor visits, prescriptions, and any ongoing health conditions. Family plans offer a more affordable way to provide health insurance for multiple members. It’s also important to compare premiums, deductibles, and provider networks to find the best plan for your family’s specific needs.

Comprehensive Coverage for Everyone: Family health insurance plans typically cover a wide range of healthcare services, including doctor visits, hospital stays, prescriptions, and preventive care.
Cost-Effective: Family plans often cost less than purchasing individual coverage for each family member, making them a more budget-friendly option.
Convenience: Managing a single family health plan is easier than keeping track of multiple individual policies, making it simpler to access healthcare when needed.

Yes, you can switch from Marketplace insurance to private health insurance. If you no longer qualify for Marketplace subsidies or prefer the flexibility of private plans, you can explore other options. However, be mindful of open enrollment periods for Marketplace plans. If you miss the enrollment window, you may need to wait until the next open enrollment unless you qualify for a special enrollment period.

Choosing the right health insurance plan depends on several factors, including your healthcare needs, budget, and coverage preferences. Small business owners should consider group plans with coverage for employees, while self-employed individuals may benefit from Marketplace plans, private options, or short-term plans. For families, comprehensive coverage that includes preventive care and specialist services is crucial. It’s essential to compare different plans, assess costs, and consult with an expert to find the best fit for you.

Don’t get “Robb”ed on your health insurance.