Affordable Health Insurance
When Life Occurs
You Choose What Happens Next
Click Here For The "Why The Unicorn?!" Interview!
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Learn More About Private Insurance On My Youtube
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Discounts on health insurance, HOW?
Discounts can be had either via health or income. Ever heard of a "safe driver discount"? Health insurance can operate the same way; discounts for low risk history. In essence, if you have maintained a good driving record you would expect a lower price than someone who hasn't right? The same concept can apply when it comes to health insurance.
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Health Unicorn Mike can reward healthy living.
Welcome!I'm "Health Unicorn Mike". I opened my own insurance agency because I knew I could provide great service with my expertise, ability to shop around and my unique approach. People call me a Health Unicorn Mike because what I can do with private insurance is very unique. I provide educational and useful updated information about health coverage while saving clients money usually about 30% on health insurance costs. With almost a decade of experience, and proven award winning services, I would be an asset in your corner. I make sure to take care of your family's situation the same as I would with my wife and kids. I am a Proud HBCU graduate, Auburn University graduate enrollee and member of 2 fraternities. It is my believe we should all, help each other, however we can.
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What is Private Health Insurance?
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Quite often clients ask me, what is private health insurance defined as? Come to find out in the later half of 2020 approximately 1,600 people google that exact question every month. Since CO-VID 19 hit the U.S. in early February, even more so. What for? Well, as it says in the name it’s private and therefore different; in a great way. The world has never been as curious as it is now to find out the benefits of private health insurance. The textbook definition of private health insurance is any health insurance coverage that is offered by a private entity instead of a state or federal government. Why, you ask, is that a good thing? Simple answer; because private health insurance costs can potentially be less expensive while also being more comprehensive in comparison to other options. Depending upon your individual situation, ages, income, needs etc. would determine which pathway makes more sense. Public insurance, also called marketplace, is income based. Former President Obama made it an income based, which helped give coverage to those that could not afford it otherwise. Health Unicorn Mike can help regardless of which kind of insurance you feel is best for you. Interestingly enough, most families that switch over from public to private health insurance saves about 30% in health insurance costs per year. What even makes that possible? What incentive would any health insurance company have to offer lower rates? Well, let’s think about car insurance for a moment. Imagine you haven’t had any car accidents or speeding tickets. Would you expect a lower monthly premium than someone who has one or more those things happen? The insurance company does! (However they won’t often go out of their way to tell you that) That’s how it works with health insurance too! Even most Doctors aren’t aware of that; if you don’t know a good licensed agent personally it’s hard to find out otherwise. That said, it is a fact that in certain zip codes preferred rates are available to those in good health with a stable health history. The best part is, with private insurance benefits, you get to keep the same plan, same features, same Doctors and all, regardless of where you are employed. The popularity of private health insurance is on the rise for all those reasons. Fun fact “private health insurance cost” is a phrase that’s currently being sought on google almost three thousand times per month! Reason being, the times have evolved and people are hearing how well it works. Unless you have a phenomenal employer you know you are sticking with for life, like the average American; your health benefits change as you change occupations. As a young adult, that meant going without sometimes if I was in between jobs. As a husband, that meant my wife’s birth control went from being free to costing us $300 every 4 weeks while we waited for benefits to kick in with her new employer. It meant temporarily no insurance when we decided to open our own businesses. The risk is very real and all too common. This is something I strive to prevent any person, couple or family to through; employed or not. Now, health insurance in general offers 4 different kinds of service plans. PPO, HMO, POS and EPO. EPO stands for exclusive provider organization. Commonly this is referred to as a very exclusive network, oftentimes too exclusive for most physicians and specialists. POS stands for point of service, Doctors choose whether or not they accept your coverage with this type of plan. HMO stands for health maintenance organization, meaning it’s designed to maintain your health this is county specific. PPO stands for preferred provider organization, this kind of plan makes it easy for you to see specialists as you need to, no referral necessary. |
Private Health Insurance Cost
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What is the cost of private health insurance? In order to be accurate one would have to say, that’s a different answer for everybody. In order to get that answer, various factors are considered. Those factors include, health history, gender, age, zip code, pending diagnostic tests as well as procedures and full detail of current health stance. Let’s break that down a little bit further. For example, women cost more to cover in comparison to men when they age 50 & below because those are their child bearing years. While when women are over age 50 they cost less than men because statistics show there is less likeliness of unhealthiness. Men are the opposite, cancer is statistically proven to be quite present in men ages 50 and older. That said, there are valid reasons as to why private insurance cost what it does, however it need not be over-priced for it to cover you when you truly need it. As a health insurance broker, like anyone else I have friends and family in my life that have fallen ill; it breaks my heart when it’s too late to stop someone from getting a $750,000 medical bill in their name. One bad car accident, one sudden occurrence & without the right coverage, it can haunt your credit score for the rest of your life. That is the cold hard ugly truth. Oftentimes it is due to unawareness that loved ones end up in a situation like that, that is my why; my personal passion. I believe it is a part of my purpose to spread useful health insurance knowledge so anyone who listens can ensure the best quality of life with reasonably priced insurance. Many people will say, so let’s say private health insurance supposedly is priced better, by how much really? Also, why and how does it do that if so? Most families that switch from public marketplace insurance over to private health insurance save 30%. That’s a good chunk back in your pocket to still have quality coverage. That said, let the record show that even if one doesn’t find themselves in the top health, does not mean that Health Unicorn Mike can not help. There are various options available, various plans one may find more sensical than their current scenario. |
How To Get Health Insurance Without a Job
This is a simple answer. Ready? Try getting your health insurance from a private insurance company! There are three ways to get health insurance in the United States. The first way is through an employer, the second is through the public marketplace and the third is through private insurance.
The thing about having insurance through an employer is that it is conditional, if you should leave the employer at any point in your life you forfeit the coverage. In regards to how public marketplace insurance works, it’s income based. As in those meeting the current low income standard get their health coverage for little to no cost. For those with an income of $30k/year or below, that can truly work as there is potential for solid coverage for little to no cost. However for many American citizens who find themselves between $30k to roughly $70k with a family, that’s not super helpful. Especially now as so many Americans are finding themselves in an unexpected scenario, stuck somehow because of a global pandemic they never saw coming.
Short term health insurance is a big thing right now! It’s an option that exists for people that lose their health coverage and want to have a catastrophic safety net potentially. Most short term plans are meant to give you a lower premium for limited benefits during (i bet you guessed it) a short term. Typically 3-6 months. It may be a ideal option for some so let me know we can compare making sure Health Unicorn Mike has you in the best position possible. When we search 95% of the plans available you will be able to confidently have Health Unicorn Mike as your trusted advisor.
Thanks to you viewers the word can get out a little faster, spread the word. Let the world know that you don’t need to be employed to get health insurance, and your employer plan is not the only plan available to you. With Health Unicorn Mike, there is a greater network access. Awareness of the different prices of differing kinds of coverage like the aforementioned HMO, PPO, EPO, & POS. That ability to compare enables choice, and makes way for various options that will be reviewed with you. Never worry about not understanding, all inquiries will be answered. Getting to know your lifestyle is key so that this plan is truly designed and very likely to benefit you for anything requiring a Doctor’s visit or more.
I believe in people getting the choice to make a decision about their health coverage and the only thing that brings a good decision is full awareness. Health Unicorn Mike’s true mission is creating opportunity for savings through awareness. Awareness is truly everything when it comes to health insurance cost, and with the rare ability to access 95% of plans throughout the United States with various companies Mike is a licensed agent you are always relieved you ran into. Easy to talk to, experienced and licensed in 33 states. Health Unicorn Mike offers private health insurance, public health insurance and group insurance. Regardless of the situation you find yourself in, your next call should be to get a free quote from the award-winning one stop man-shop himself, Health Unicorn Mike; Hummm!
The thing about having insurance through an employer is that it is conditional, if you should leave the employer at any point in your life you forfeit the coverage. In regards to how public marketplace insurance works, it’s income based. As in those meeting the current low income standard get their health coverage for little to no cost. For those with an income of $30k/year or below, that can truly work as there is potential for solid coverage for little to no cost. However for many American citizens who find themselves between $30k to roughly $70k with a family, that’s not super helpful. Especially now as so many Americans are finding themselves in an unexpected scenario, stuck somehow because of a global pandemic they never saw coming.
Short term health insurance is a big thing right now! It’s an option that exists for people that lose their health coverage and want to have a catastrophic safety net potentially. Most short term plans are meant to give you a lower premium for limited benefits during (i bet you guessed it) a short term. Typically 3-6 months. It may be a ideal option for some so let me know we can compare making sure Health Unicorn Mike has you in the best position possible. When we search 95% of the plans available you will be able to confidently have Health Unicorn Mike as your trusted advisor.
Thanks to you viewers the word can get out a little faster, spread the word. Let the world know that you don’t need to be employed to get health insurance, and your employer plan is not the only plan available to you. With Health Unicorn Mike, there is a greater network access. Awareness of the different prices of differing kinds of coverage like the aforementioned HMO, PPO, EPO, & POS. That ability to compare enables choice, and makes way for various options that will be reviewed with you. Never worry about not understanding, all inquiries will be answered. Getting to know your lifestyle is key so that this plan is truly designed and very likely to benefit you for anything requiring a Doctor’s visit or more.
I believe in people getting the choice to make a decision about their health coverage and the only thing that brings a good decision is full awareness. Health Unicorn Mike’s true mission is creating opportunity for savings through awareness. Awareness is truly everything when it comes to health insurance cost, and with the rare ability to access 95% of plans throughout the United States with various companies Mike is a licensed agent you are always relieved you ran into. Easy to talk to, experienced and licensed in 33 states. Health Unicorn Mike offers private health insurance, public health insurance and group insurance. Regardless of the situation you find yourself in, your next call should be to get a free quote from the award-winning one stop man-shop himself, Health Unicorn Mike; Hummm!