What is a Medicare Insurance Package?

eHealth medical insurance packages may save you 20%-50% compared to the cost of a major medical health insurance plan (that is, an Obamacare-compliant plan). Medical insurance packages are not major medical health insurance (see below for details), but they may be useful for people interested in paying a lower monthly premium in exchange for less comprehensive benefits.

Medical Insurance Package Major Medical Coverage
Coverage includes:Coverage includes:
Emergency careYesYes
Sick visits to the doctorYesYes
Extra coverage for major accidentsYesNo
Preventive medical careNo*No
Mental health care, maternity care, etc.NoYes
Prescription drug coverageDiscounts availableYes

*Some medical indemnity plans may provide limited coverage for wellness care

Affordability exemptions & The Affordable Care Act (ACA or Obamacare)

Thanks to drastic year-over-year premium hikes, Obamacare-compliant health insurance is unfortunately becoming unaffordable for many people.

In fact, in 2018, if the lowest-cost Obamacare-compliant plan available to you costs 8.16% of your household income or more, it is considered officially “unaffordable” according to the Obamacare law’s own rules, potentially exempting you from the Obamacare tax penalty for not having Obamacare-compliant coverage.

Medical insurance packages provide an affordable alternative for millions of people, but they’re not for everyone. These packages don’t cover most pre-existing medical conditions and they won’t meet the coverage requirements of the Obamacare law. Also, medical insurance packages will not help you avoid the tax penalty for not maintaining qualifying health insurance if you are not already exempt from the tax penalty.

Meeting your needs with an eHealth medical insurance package

People who can’t afford major medical health insurance can turn to medical insurance packages to protect them from unexpected medical costs.

At eHealth, we’ve been working with individual health insurance shoppers for twenty years. We’ve packaged these products together to match the health care benefits our customers want most with a sensible monthly price.

What makes eHealth medical insurance packages better?

Strong benefits and first-dollar coverage

Simplified application and billing process

Claims processing and benefits tracking

Can you tell me more about eHealth’s medical insurance packages?

Medical insurance packages conveniently bundle together several different insurance policies and other products into a combination that may be purchased in a single application process.

eHealth’s medical insurance packages were designed and selected specifically by eHealth to meet the basic coverage needs of many health insurance shoppers at an affordable monthly price.

Most of the products included in our medical insurance packages are available separately, but eHealth’s medical insurance packages offer impressive convenience when it comes to billing and submitting claims. You may also save on certain application fees when you buy these products as a bundle.

What kinds of coverage do medical insurance packages include?

The building blocks of medical insurance packages can vary from one package to another, but they typically include

  • Short-term health insurance,
  • Gap insurance or accident and critical illness insurance
  • Medical indemnity insurance
  • And non-insurance products like prescription drug discounts cards or telemedicine coverage
Short-term insurance Gap insurance Medical indemnity Tele-medicine Rx drug discount program
Coverage for regular doctor visits when you’re sick? Yes No In some cases Consultation by phone Not applicable
Will it pay you or pay your health care provider? Health care provider You Health care provider Not applicable Not applicable
Can you be declined based on your medical history? Yes Yes, in some cases Yes, in some cases Not applicable Not applicable
Does it cover preventive care? No No No Not applicable Not applicable
Will it meet Obamacare coverage requirements? No No No No No