If you’ve ever felt overwhelmed trying to choose a health insurance plan—you’re not alone. The rising costs, confusing terms, and fine print trip up even smart, hard-working people.

After years in the industry, I’ve seen too many people end up with the wrong coverage at the worst time.

My goal is simple: help you avoid those mistakes and find the right plan for your health needs.

A Real Story That Changed How I Think About Health Insurance

In college, I heard a story that changed how I view health insurance.

A woman paid high premiums, thinking her insurance fully protected her. Then she got sick. After multiple heart surgeries, her insurer denied her claims. They cited pre-existing conditions and limited benefits in the policy.

She owed $750,000 in medical bills. She sued, but the court ruled against her because the fine print excluded key coverage. That mistake ruined her financially.

This taught me that buying just any policy isn’t enough. You must understand what your plan covers. A wrong choice can ruin your finances.

Medicaid and Medicare: Know the Difference

What Is Medicaid?

Medicaid helps low-income people—including many small business owners and workers—pay for healthcare. The federal government and states run it together.

Medicaid covers:

• Hospital visits
• Doctor appointments
• Prescription drugs

Affordable Care Act (ACA) Expansion

In 2014, the ACA expanded Medicaid. It now includes people earning up to 133% of the federal poverty level.

Check if You Qualify and Apply
Visit your state’s Medicaid site to review income and household size. If pregnant, include your unborn child as a household member.
You may get coverage for medical costs up to three months before applying if you were eligible at that time.
Apply on your state’s Medicaid website.

What Is Medicare?

Medicare provides insurance for people 65 and older and for those with certain disabilities. It covers:

• Hospital stays (Part A)
• Doctor visits and outpatient care (Part B)
• Prescription drugs (Part D)

Who qualifies?
If you worked 10+ years (40 quarters) and paid into Social Security, you qualify.
If not, you may still qualify but must pay premiums for Part A.
Apply online or call the Social Security Administration three months before your 65th birthday to avoid penalties.

Common Health Insurance Questions

How do I pick the best insurance plan?

Evaluate your health needs. Compare:

• Premiums
• Deductibles
• Out-of-pocket costs
• What each plan covers

If you qualify for both Medicare and Medicaid, an advisor can help you find the right mix.

Can I use Medicare and Medicaid together?

Yes. Medicare pays first. Medicaid can help with copays, coinsurance, and premiums.

What if I don’t qualify for either?

Look at the Health Insurance Marketplace. Many people qualify for subsidies that reduce premiums.

Health insurance doesn’t need to confuse you. You deserve a plan that fits your needs and budget.

If you feel stuck—or if you run a small business and have unique needs—let’s talk.

Call me at (215) 690-5006 or connect through eHealth20.
I’ll help you find the right coverage before an emergency catches you off guard.