Viccoll isn’t just about healthcare insurance. We address our client’s whole health with tools and resources for all aspects of health and wellness. We offer health plans that fit a variety of healthcare needs, including special programs to support better health. You may also qualify for financial assistance to help cover the costs of your health plan.
Your healthcare needs and budget are as unique as you are. That’s why we offer plans across a range of price levels. We can help you find a plan that’s right for you, whether you’re an individual who only needs emergency coverage or part of a large family with more extensive healthcare needs, Viccoll can assist you to stay on budget and on top of your health.
Understanding The Affordable Care Act
The Affordable Care Act (ACA) helps ensure that all Americans have access to affordable health insurance. It offers financial assistance, or a health insurance subsidy, based on your income, to help reduce your healthcare costs. Our consultant can help you determine if you’re eligible for financial help when purchasing an ACA health plan.
How Health Insurance Covers Expenses
Health insurance can be the key to supporting your health and well-being. Once you purchase a Viccoll plan, you’ll be covered for annual physicals and preventive care visits with providers in your network.
On and Off Exchange Plans
There are two kinds of individual health insurance plans available: on-exchange and off-exchange. Here are the differences to consider when selecting a plan:
- ON-EXCHANGE
These health insurance plans are available on healthcare.gov or a state-based exchange, also known as a marketplace. Financial help, or subsidies, are only available when you enroll in an on-exchange health plan. Subsidies include premium tax credits and cost-sharing reductions. If you qualify for financial help to lower the cost of health coverage, an on-exchange plan is your best option.
- OFF-EXCHANGE
these health insurance plans covering the same essential health benefits as on-exchange plans are available outside of the exchange or marketplace directly through Viccoll.
With Viccoll, you have access to both on-exchange and off-exchange health insurance plans. Our licensed agents can help you determine if you are eligible for financial help and find the best plan for your needs and budget.
– Doctors in your Plan’s Network
Viccoll plans support your healthcare with a range of choices of doctors, care centers, and hospitals. You also have the flexibility of choosing a video visit with a doctor or therapist on your smartphone, tablet, or computer.
– Access to Preventive Care
Avoiding illness or catching problems early are key to staying healthy. Your plan covers preventive care at no cost to you when you see a doctor in your plan’s network. Preventive care includes checkups, screenings, and vaccines.
You can rest assured that your Viccoll health plan includes coverage for most generic and many brand-name prescriptions at $0 cost to you. Otherwise, you’ll pay a certain amount for medications, depending on the coverage tier or class of drug.
– Virtual Care
Using mobile app, you can talk to a board-certified doctor from the comfort of your home or on-the-go. The doctor can give you expert medical advice, diagnose common health issues, and send prescriptions right to your pharmacy. Many plans offer virtual care visits using the mobile health app at no cost to you.
