How our private health plans work
ProHealth Insurance Solutions helps individuals, families, self-employed professionals and small businesses get private health insurance. Jay Reagan, licensed health insurance agent (NPN 20450638), works with you by phone from start to finish. Free consultation.
Apply any month of the year
Private health insurance is open all year round. There's no enrollment window to wait for.
The network
Plans use a large nationwide PPO network of doctors and hospitals.
What a plan can include
You build coverage from these parts:
- Fixed indemnity coverage: pays a stated benefit amount for covered services, from the first dollar, with no calendar-year deductible to meet.
- Medical expense coverage: inpatient and outpatient coverage for covered sickness and injury after the deductible.
- Guaranteed upgrade option: move from fixed indemnity to medical expense coverage later with no new health questions.
- Critical illness and term life: a lump-sum benefit for a covered critical illness, injury or surgery, plus renewable term life.
- Dental and vision: dental PPO and vision options.
- Telemedicine: unlimited non-emergency telemedicine.
Who qualifies
Plans are medically underwritten. You answer health questions when you apply, and not everyone qualifies. Benefits may be subject to a pre-existing condition limitation.
Who we help
- Individuals 18-64
- Families
- Self-employed and 1099 professionals
- Small businesses, typically 5-20 employees
How it works
- Free consultation. We ask questions to find the best fit for you and your family.
- Choose a plan. We screen-share and walk through your options and budget.
- Apply. Then you have a dedicated agent for the life of your plan.
Important disclosure
These plans are exempt from the requirements of the Affordable Care Act ("ACA"), do not qualify as "minimum essential coverage" under the ACA, and they do not provide coverage for all ten (10) "essential health benefits" under the ACA. Benefits under these plans may be subject to a Pre-existing Condition limitation, among other limitations and exclusions.
ProHealth Insurance Solutions is a service of Reagan Health Solutions, LLC, Evanston, Illinois. Jay Reagan, licensed insurance producer, NPN 20450638. Not affiliated with any government agency.