Pre-65 Health Care Insurance 

65岁以下医疗保险

If you're under the age of 65 and need health insurance, there are 4 basic options available to you. We can help you determine the right choice based on your budget and needs.

如果您年龄在65岁以下并且需要医疗保险，您有四种基本选择可供选择。我们可以根据您的预算和需求帮助您确定合适的选项。

On-Exchange Plans (OBAMA CARE – Affordable Care Act)
The plans are administered through the Centers for Medicare and Medicaid. Many people qualify for subsidies based on qualifying factors to help with their health care costs. This is typically the first step in finding the right plan for you and we'll guide you thru the process step by step. 

交易所计划（奥巴马医保 - 可负担医疗法案）                                                                      这些计划由医疗保险和医疗补助中心管理。许多人根据资格因素获得补贴，以帮助支付医疗费用。这通常是找到合适计划的第一步，我们将逐步引导您完成此过程。

Off-Exchange Plans
If you don’t qualify for a subsidy you can purchase health insurance directly from a carrier. We can help you compare plans and enroll in one that best meets your needs and budget.

非交易所计划

如果您不符合补贴资格，您可以直接从承保公司购买医疗保险。我们可以帮助您比较计划并注册最符合您需求和预算的保险。

Short-term major medical 

短期重大医疗保险                                                                                                         

These type plans are a great alternative for consumers looking for major medical coverage.  Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to bridge gaps in your health care coverage during times of transition. These plans allow you to: 

这类计划是寻求重大医疗保险消费者的绝佳替代选择。短期医疗保险，有时称为定期医疗保险或临时医疗保险，旨在填补您在过渡时期的医疗保险覆盖空白。这些计划允许您：

• Start your coverage fast, as soon as the next day in many cases.
• 快速开始保险覆盖，通常在第二天即可生效
• Drop your coverage without penalty. 
• 在没有罚款的情况下取消保险
• Choose from a range of available deductible amounts.
• 从多种可选免赔额中进行选择
• Apply for another term of coverage if needed. 
• 如有需要，可申请续保

Hospital Indemnity Insurance

医院赔偿保险
Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit. In addition to a hospital per diem, a more comprehensive plan might feature payments for an ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can disburse in lump sums for short admittances or on a daily or weekly basis during longer visits.     

医院赔偿保险是一种支付固定金额的计划——按天、按周、按月或按次支付。除了每日住院津贴外，更全面的计划可能包括急救车费用、手术或产妇检查费用，或因中风或癌症等重大疾病的增加赔付。对于短期住院，赔付可以一次性支付，对于较长住院则按日或按周支付。

As you can see, there are many options to choose from with different benefits and payment methods. We're here to help you through the confusion. Contact us today!

如您所见，有许多选项可供选择，各自的福利和支付方式不同。我们在这里帮助您理清思路。今天就联系我们！