Individual Major Medical

  • The Affordable Care Act has changed the way we get insurance in America
  • Every plan I put you on is required to offer all of the following essential health benefits
    • Doctor visits, both Primary Care and specialists
    • Prescription Drugs
    • Lab work to include MRI's, CT scans, Diagnostic imaging
    • Preventative care and wellness services and chronic disease management.
    • Pediatric services
    • Emergency services
    • Hospitalization, Urgent care, ambulance and air evacuation if necessary
    • Maternity and newborn care
    • Mental health and substance abuse use disorder, including behavior health treatment
    • Rehabilitative and habilitative services such as physical therapy, Skilled Nursing, Hospice and Devises like wheelchairs and oxygen or diabetic equipment.
    • Plan may offer additional coverage like Chiropractic Care, Acupuncture, infertility treatment and bariatric surgeries.
  • You may be eligible for help to pay your premium based on income.  Please call our team at KWS Insurance to have your questions answered and to get a quick quote.
  • We are contracted with every local company that offers insurance plans both on and off of the exchange.

   Short Term Major Medical   

  • This is for the in-between moments:
  • When insurance has been cancelled,
  • When you are between jobs
  • When you need coverage for sports
  • These policies are not ACA approved, which means they do not follow the rules of coverage of minimum essential benefits. 
  • These policies do not cover pre-existing conditions.
  • These policies can decline you for medical conditions
  • These policies do not routine care, pregnancy or maternity care or depression or anxiety.
  • These policies can last from 1 month to 1 year.
  • You would still get a tax penalty for not having insurance if you had this coverage for more than 60 days.



Use the form below to request more information:
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