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Individual & Medicare

Affordable options for individuals, families, and the Medicare eligible

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Flexible Public & Private Solutions

The individual insurance landscape has changed a great deal in the last few years – and continues to evolve. Commonwealth Insurance Partners has specialists trained specifically for individual insurance products, whether Medicare, Affordable Care Act (PPACA or “Obama Care”), or short-term policies.  We help you confidently navigate the choices and can determine the best, most affordable fit for you.  Our Benefits Advisors are certified in a wide range of programs and solutions, so you can be assured we examine a large assortment of plans before arriving at the best options to present to you.

Medicare Solutions Tailored to You

Since 1965, these programs have been the predominant national health insurance plans. Medicare provides health insurance for Americans aged 65 and older, as well as qualifying younger people with disability status.  Over the years, various parts have been added and modified to expand coverage and benefits.   We will aid you throughout the enrollment process to ensure that you obtain the absolute maximum coverage you need with minimum cost – and hassle.

Private Insurance Options: Affordable & Sustainable

The options we offer, including Anthem Enhanced Choice (AEC), are patient-centered, value-based care programs.  Benefits are similar to employer-based plans, and these can include:

 

  • Preventive care visits are covered at 100%.

  • Prescription drug coverage with affordable out-of-pocket copays.

  • Access to quality doctors, care centers, and hospitals from Anthem’s network.

  • No referrals are needed for a specialist visit.

Public Exchange: The ACA Marketplace

Upon its enactment in March 2010, the ACA has altered the healthcare and benefits environment more than any other legislation since the introduction of Medicare and Medicaid in 1965.  When utilized with state programs, such as KYNect (Kentucky’s version), it can make for a sometimes confusing array of options.  Our ACA-certified brokers can shepherd you through the paperwork and forms to arrive at the most suitable decision based on your needs and income.