Want to see what we have to offer? It all starts when you use our Find My Plan tool. With this tool, you will input essential demographic information about yourself and what type of policy you’re looking for. Then we’ll scan the marketplace to show you multiple plans that suit your needs. Once we’ve identified plans you might be interested in, we’ll present them to you so you can compare your options. Have questions about your options? Just let us know and we’ll be there to help.
About Instant and Our Services
Health Insurance Marketplace
Though every insurance plan is different, there are 10 essential health benefits that all Affordable Care Act (ACA) marketplace plans are required to cover:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Pregnancy, maternity, and newborn care
- Mental health and substance use disorder services
- Prescription drugs
- Rehabilitative and habilitative services
- Laboratory services
- Preventive wellness services and chronic disease management
- Pediatric services, including oral and vision care (does not include adult dental and vision coverage)
The specific premiums and coverage details may vary from plan to plan, but we’ll learn what services are most important to you when we search for a plan.
In order to enroll in a health plan on the marketplace, you must meet a few criteria. First, you must primarily live in the United States. You must also be a US citizen or lawful national. Finally, people who are currently incarcerated are not eligible. As long as you meet these requirements, you are free to shop on the marketplace for a plan, or work with mecca health to streamline the process!
The marketplace is available for open enrollment for anyone eligible between November 1 and January 15. However, you can also enroll in a plan during special enrollment periods at other times of the year. Qualifying life events trigger these periods. These events include giving birth, getting married, or starting a new job. After a qualifying life event, you will have 60 days to enroll in a new plan on the marketplace.
General Health Insurance
A copay is a predetermined fee that your health plan may require in order to cover a particular medical service. Most plans require copays in order for you to take advantage of their services. Once you’ve paid the copay, then your insurance will typically cover any remaining charges.
Coinsurance is the amount of money you must pay when submitting a medical claim, apart from your copayment or deductible. As an example, if your plan mandates a 20% coinsurance on a $100 medical bill, you would be responsible for 20% of that bill, or $20. This is a separate cost from a copayment for that treatment.
When you enroll in a healthcare plan, there will be a predetermined network of providers that have partnered with your insurance company. They have met certain criteria from your insurance company and have agreed to a reduced rate for covered services under your health plan. These providers are referred to as being “in-network”.
In contrast, out-of-network providers don’t have a contract with your health plan. They will generally cost more since you will need to pay full price for the services. In most cases, you will always want to work with an in-network provider if at all possible.
