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Office Hours

9:00 AM - 5:00 PM

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Our Location

57 Union Street South

#1060

Concord, NC 28025

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Call Us Now

980-980-1545

This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use our services, including SMS (text messaging) communications, and outlines your rights regarding your personal data.

By using our services, you agree to the collection, use, and sharing of information as described in this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with initial capital letters have meanings defined in this Privacy Policy.

Definitions

Company refers to Health Insurance Home, LLC, located at 57 Union Street South #1060, Concord, NC 28025.

Service includes our website (http://healthinsurancehome.com) and communication services, including SMS text messaging.

Personal Data refers to any information that identifies you, such as name, phone number, and email address.

SMS Messaging refers to text messages sent to your mobile phone for informational or promotional purposes.

Collecting and Using Your Personal Data

Personal Data We Collect

We collect and process the following types of personal data:

Name and contact information (email address, phone number, mailing address).

Information provided when signing up for our services or subscribing to updates.

Data collected automatically, such as usage data and device information.

How We Use Your Personal Data

Your personal data may be used for the following purposes:

Providing Services: To communicate with you via SMS for reminders, updates, and promotional offers.

Consent-Based Messaging: Sending SMS messages only when you have provided explicit consent by opting in through forms, checkboxes, or other clear methods.

Transactional Messages: Sending important information about your account, services, or changes to our policies.

Marketing Communications: Sending promotional SMS messages about our services and offers.

SMS Messaging and Consent

By providing your phone number, you consent to receiving SMS messages related to the services you have signed up for, including:

Appointment reminders.

Service updates.

Marketing and promotional offers.

Frequency of Messages

You will receive no more than 5 SMS messages per week unless otherwise specified during the opt-in process.

Opt-Out Mechanism

You can opt out of SMS messaging at any time by replying “STOP” to any message. Once you opt out, you will no longer receive SMS messages unless you opt in again.

Compliance with Laws

We comply with all applicable laws and regulations governing SMS communications, including:

Telephone Consumer Protection Act (TCPA): Ensures that you only receive SMS messages after providing explicit consent.

General Data Protection Regulation (GDPR): If applicable, we process your data under legal bases such as consent or contractual necessity.

Sharing Your Data

We may share your personal data, including your phone number, with third-party service providers who facilitate our SMS messaging services. These providers are contractually obligated to protect your data and use it only for the purposes of delivering our services.

Data Retention

We retain your personal data only as long as necessary to provide the services or as required by law. SMS opt-in and opt-out records will be maintained for compliance purposes.

Security of Your Data

We use commercially reasonable measures, including encryption and access controls, to secure your personal data and ensure the confidentiality of SMS communications.

Children’s Privacy

Our services, including SMS messaging, are not directed to individuals under 13 years of age. If we become aware that we have collected data from a child under 13, we will take steps to delete such data.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page, and you will be notified via email or SMS if necessary.

Contact Us

If you have any questions or concerns about this Privacy Policy or SMS messaging, you can contact us:

By email: [email protected]

By visiting our website: http://healthinsurancehome.com/contact

By phone: 252-618-9300

By mail: Health Insurance Home, LLC, 57 Union Street South #1060, Concord, NC 28025

Coverage You Trust

Healthcare Security
For Your Family's
Tomorrow

Affordable plans tailored to protect what matters most.

Plan ahead with care, find out how much you could save now!

We ensure the quality

Trusted Providers

We've partnered with esteemed insurers across the country to bring you reliable healthcare solutions. Our commitment to quality means we only work with companies that meet our high standards.your future now!

Why Choose Health Insurance Home?

We understand that every individual has unique needs and deserves a plan that fits perfectly into their lifestyle. That's why we are proud to present a diverse array of health plans from some of the most recognized national and regional insurance companies.

Comprehensive Selection

Access an extensive portfolio of health plans tailored for individuals like you. Our range includes options for various life stages and medical needs, ensuring you'll find the coverage that’s just right.

Protecting what matters: your health.

Guiding you to affordablGuiding you to affordable plans for lasting peace of mind.

A Day Without Insurance Is Like A Day Without Sunshine

Protect your future with the coverage you need—because peace of mind shouldn't take a day off.

  • Affordable plans tailored to fit your lifestyle and budget.

  • Trusted by families nationwide for reliable coverage and support.

  • Easy enrollment with guidance from experienced professionals.

A partnership for the future of healthcare

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George Owens

★★★★★

Hal has been a lifesaver for our family year after year. He takes the time to understand our needs, explains every option clearly, and finds the best health insurance solutions within our budget. His expertise and dedication give us peace of mind, knowing we’re always covered.

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Jane Adams

★★★★★

As a single mom with two kids, finding affordable health insurance felt overwhelming—until I met Hal. He patiently walked me through my options, found a plan that fits our budget, and made sure we’re covered. Thanks to Hal, I feel confident and secure about our healthcare.

Let’s not meet by accident,

come in and see how

much you can save now

Life is full of unexpected moments—don’t leave your health and peace of mind to chance. Discover tailored insurance plans that fit your needs and budget, giving you the confidence to face tomorrow.


Click below to schedule a free consultation today!

Don't gamble with your wellbeing – secure peace of mind for those...

"Just In Case"... times of our lives.

Why choose us?

Affordable plans tailored to your needs.

Licensed experts available to answer your questions.

Fast, hassle-free enrollment process.

Frequently Asked Questions

Find clear answers to the questions you have about health insurance coverage.

What is the difference between ACA plans and private health insurance plans?

ACA (Affordable Care Act) plans are designed to provide comprehensive coverage and are regulated by federal standards to include essential health benefits, such as preventive care, maternity care, mental health services, and prescriptions. They also protect individuals with pre-existing conditions by ensuring they cannot be denied coverage or charged higher premiums. Additionally, subsidies are available for those who meet income requirements, making these plans more affordable for many families.

Private health insurance plans, on the other hand, are not bound by ACA regulations. These plans might offer fewer benefits or exclude certain coverages like maternity care or mental health services. They can be tailored to specific needs, such as catastrophic coverage or short-term plans, which are typically less expensive but may lack the comprehensive nature of ACA plans.

Choosing between ACA and private health insurance depends on your budget, health needs, and whether you qualify for subsidies. For those with pre-existing conditions or families needing broader coverage, ACA plans are often the best choice. Private plans might be better for those seeking temporary or minimal coverage. Discussing your options with a broker can help you make the best decision for your situation.

Can I get coverage for pre-existing conditions?

Yes, under the Affordable Care Act (ACA), health insurance plans are required to cover pre-existing conditions. This means insurers cannot deny you coverage, charge higher premiums, or exclude treatment for any condition you had before applying for a plan. This is a significant benefit of ACA plans, as it ensures comprehensive care for individuals with ongoing health issues.

Private health insurance, especially short-term or non-ACA-compliant plans, may not offer the same protections. These plans might exclude pre-existing conditions from coverage or impose waiting periods before they start covering related treatments. For those considering supplemental plans, like cancer or accident policies, it's important to review the policy details carefully, as some may have specific exclusions or waiting periods for pre-existing conditions.

If you have a pre-existing condition, it's crucial to discuss your needs with a knowledgeable broker. They can guide you toward plans that meet your health requirements and ensure you're protected. ACA plans are often the safest choice for comprehensive care, but supplemental plans may also provide additional financial protection for specific conditions.

What does a cancer plan cover, and how is it different from standard health insurance?

A cancer plan is a type of supplemental insurance specifically designed to help with the costs associated with cancer diagnosis and treatment. Unlike standard health insurance, which covers a broad range of medical needs, cancer plans focus exclusively on expenses related to cancer care. These plans often provide lump-sum payments or reimbursements for treatments like chemotherapy, radiation, surgery, and hospital stays.

Cancer plans may also cover non-medical costs, such as travel for treatment, lodging, or lost income due to inability to work. This financial support can be crucial, as standard health insurance may leave gaps in coverage, such as high deductibles, co-pays, or out-of-network costs.

While standard health insurance ensures access to doctors and hospitals for general health needs, a cancer plan acts as a financial safety net during a critical illness. It’s an excellent option for individuals with a family history of cancer or those seeking additional peace of mind. Consult with your broker to determine whether adding a cancer plan to your coverage portfolio makes sense for your situation.

Are dental and vision plans included in health insurance, or do I need to buy them separately?

Dental and vision coverage is not typically included in standard health insurance plans, including ACA plans. However, many insurance providers offer separate dental and vision policies or package them as add-ons to health plans. These plans cover routine care, such as cleanings, exams, fillings, glasses, and contacts, and may also include coverage for more significant needs, like root canals or corrective surgeries.

Some ACA plans may offer pediatric dental and vision benefits as part of their essential health benefits, but these do not extend to adults. For adults, purchasing standalone dental and vision plans is often necessary to ensure coverage for these services.

Investing in dental and vision insurance is worthwhile, as these out-of-pocket expenses can add up quickly without coverage. Brokers can help you identify affordable options that align with your needs and budget. Bundling these policies with your health insurance can simplify payments and sometimes lead to discounts, so it’s worth exploring your options.

How can I qualify for subsidies or financial assistance for an ACA plan?

Subsidies for ACA plans are based on your household income and family size relative to the Federal Poverty Level (FPL). If your income is between 100% and 400% of the FPL, you may qualify for premium tax credits, which lower your monthly insurance costs. In some states, individuals earning less than 138% of the FPL may also qualify for Medicaid.

To apply, you’ll need to provide income verification, tax information, and details about your household during the enrollment process. Subsidies are calculated to ensure you don’t spend more than a specific percentage of your income on premiums. Depending on your income level, you might also qualify for cost-sharing reductions, which lower out-of-pocket expenses like deductibles and co-pays.

Working with a broker can simplify the process of determining eligibility and selecting a plan. They can guide you through the application process, ensuring you maximize your savings and secure a plan that meets your health and financial needs.

Can I combine an ACA plan with supplemental insurance like accident or hospitalization coverage?

Yes, you can combine an ACA plan with supplemental insurance to enhance your coverage. Supplemental plans, such as accident, hospitalization, or critical illness coverage, provide additional financial protection by covering costs that standard health insurance may not fully address. For example, they can help with high deductibles, co-pays, or non-medical expenses like lost income during recovery.

An ACA plan ensures you have comprehensive coverage for essential health benefits, including preventive care and treatment for illnesses and injuries. Adding supplemental insurance can give you extra peace of mind, especially if you’re concerned about specific scenarios like a severe accident, hospitalization, or a cancer diagnosis.

When choosing supplemental coverage, consult with your broker to ensure the plans complement each other. They can help you avoid unnecessary overlap and tailor your coverage to your unique needs. Combining plans is a practical way to ensure your financial security while maintaining access to quality care.

What is Medicare, and who qualifies for it?

Medicare is a federal health insurance program primarily for:Individuals aged 65 or older.Certain younger people with disabilities.People of any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

What are the different parts of Medicare?

Medicare has four main parts:

Part A: Hospital insurance (covers inpatient care, hospice, and limited home health care).

Part B: Medical insurance (covers outpatient care, doctor's visits, preventive services, and medical supplies).

Part C: Medicare Advantage (an alternative to Original Medicare, offered by private insurers, combining Parts A and B, often with additional benefits).

Part D: Prescription drug coverage (offered through private insurers to help cover the cost of medications).

What’s the difference between Original Medicare, Medicare Advantage, and Medicare Supplemental/Gap Plans?

Original Medicare (Parts A & B)

Offered by the federal government.

You can see any doctor or hospital that accepts Medicare.Covers hospital and medical services but does not include prescription drug coverage (you must add Part D separately).

You are responsible for deductibles, coinsurance, and copayments.

Medicare Advantage (Part C)
Offered by private insurers as an alternative to Original Medicare.
Includes Parts A and B, often Part D, and may offer additional benefits like vision, dental, and hearing.Plans may have network restrictions (e.g., HMO or PPO plans).

Medicare Supplemental/Medigap Plans
Offered by private insurers to work with Original Medicare.
Helps cover out-of-pocket costs like deductibles, coinsurance, and copayments.
Does not include additional benefits like vision, dental, or drug coverage (Part D is needed separately).
You must have Original Medicare to purchase a Medigap plan.

How much does Medicare cost?

Costs depend on your coverage:

Part A: Free for most people; otherwise, premiums can range upwards depending on your income.

Part B: Standard premium is $174.70/month in 2024 (may be higher based on income).

Part C (Medicare Advantage): Costs vary by plan and may include additional premiums.

Part D: Premiums vary by plan; higher-income individuals may pay a surcharge.

Additional costs include deductibles, copayments, and coinsurance..

FAQ image

When can I enroll in Medicare?

Initial Enrollment Period (IEP): Starts 3 months before your 65th birthday, includes the month you turn 65, and ends 3 months after your birthday month.

Special Enrollment Period (SEP): Available if you delay enrollment due to having employer coverage.

General Enrollment Period (GEP): January 1 to March 31 each year, if you missed other periods, with coverage starting July 1 (may include penalties).

Annual Election Period (AEP): October 15 to December 7, allows changes to your Medicare Advantage or Part D plans for the following year.

Does Medicare cover all my healthcare costs?

No, Medicare does not cover all healthcare costs. You may still have to pay deductibles, copayments, and coinsurance. Original Medicare also does not cover services like:

Routine dental and vision care.

Hearing aids.

Long-term care (custodial care).

To help cover these gaps, many people purchase Medigap (Medicare Supplement Insurance) or choose a Medicare Advantage plan with additional benefits.

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