INDIVIDUAL & FAMILY HEALTH PLANS

ACA plans Ages 0-64 in Wisconsin, Iowa, Kansas, Michigan, South Carolina & Tennessee

For Short-Term Medical and other plans (Dental, Accident, Gap Plans etc), additional states may be available (check with Ken Locke).

Sharing Programs available all year and in all 50 states.  

Marketplace Plans (with or without tax credits)

Check your eligibility for an advanced tax credit based on your household adjusted gross income, which may lower your premium. Begin by clicking on "Get A Quote" below.  These are fully insured, major medical plans with comprehensive coverage.  Pre-Existing Conditions are covered and you cannot be turned down based on your health status. However, enrollment is limited to Nov 1- Dec 15 (or if you have a Qualifying Life Event such as loss of current coverage, marriage, having a baby, moving and some other less common events).  Call or Text 262-536-5155 for more information on which type of plan is most suitable for you.

Affordable Care Act plans sold directly by the Insurance Company (not healthcare.gov)

Qualified Major Medical Plans purchased direct from the insurance company (not eligible for tax credits).  Generally these are the same or similar plans to those found on the Marketplace (healthcare.gov) but there are no tax credits.

Similar enrollment restrictions apply as those available on the Marketplace.  Only available in Wisconsin.

Call or Text 262-536-5155 for more information. 

SHORT-TERM MEDICAL

Short-Term Medical plans are catastrophic medical insurance designed for new injury or new illness.  Suggested for those:

  • Between jobs

  • Waiting for new job benefits to begin

  • Recently lost coverage

  • Looking for an affordable alternative to ACA (especially if not eligible for a tax credit).

  • Updae! New Term Length Duration now available: 30-364 days (Depending on Plan and State).

  • Plans available in WI, IA, MI, KS, TN & SC

LIMITED BENEFIT MEDICAL PLANS

Affordable plans with optional zero deductible and basic limited coverage with optional preventive benefits, optional critical illness supplement and optional dental.  Limited Benefit plans are not ACA qualified, but can be purchased any time during the year.  These plans are not considered catastrophic coverage and may leave you with substantial out of pocket expenses depending on the medical event/service.

 

Nonetheless, these plans are better than no coverage, give access to network discounts, and can offset a substantial portion of medical expenses. These plans also do not expire like a short-term plan and can be kept indefinitely as well as a supplement to a regular medical plan.

 

LOWEST COST BASIC PROTECTION

If you need bare-bones protection in the event of an unexpected accidental injury, consider a Supplemental Accident Plan.  With rates starting under $30 per month for Accident insurance, you can also add additional protection against Critical Illness and other Sickness.  These plans can pay you cash benefits even if you do not have traditional health insurance.  Many of these plans are Guaranteed Issued, which means you don't have to pass medical underwriting, and they are available all year.  Also strongly recommended to supplement your existing medical insurance and serve as "Gap Coverage" for high deductible plans..

info@kladirect.com    |    (262) 536-5155

211 N. Franklin St., Suite 205

Port Washington, WI   53074

Office Hours By Appointment Only

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©2019 BY KEN LOCKE AND ASSOCIATES, LLC