Call a Licensed Insurance Agent: (801) 901-7800 TTY: 711
By calling this number, you will be directed to a Licensed Insurance Agent.
Hours of Operation: Monday – Friday, 9:00 AM – 5:00 PM MT
TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not affiliated with or endorsed by the government or the federal Medicare program.
Ark Insurance Solutions is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each organization has a Medicare contract. Enrollment depends on contract renewal.
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Is Vision Insurance Worth It?
/by Rebecca YatesDeciding what health coverage’s you need can be overwhelming. Vision coverage is one of those add on items that you can either take or leave it. It is important to note that vision insurance does not cover all things pertaining to your eye. Medical insurance covers things like accidents, surgery and eye diseases.
What vision insurance covers.
What vision coverage cost.
Vision insurance through the group market is not very expensive and is typically between $3-$7 a month. Also, getting coverage through the market allows for broader coverage which includes more in network doctors and more benefits for glasses and contacts. Vision insurance that is not through your employer will cost $15 – $60 month for individuals and families. Most plans offer the same benefits with a $15 copay for an exam, about $120 for glasses or contacts with a discount on any additional amount.
If you were to pay out of pocket, typically an eye exam costs about $60 and a pair of glasses can range from $100-$500. Contacts can be between $100-$200. Depending on what your vision needs are, the cost of coverage needs to be weighed. If you don’t currently wear glasses or contacts, your needs are not as great as someone who does. In addition, routine physicals by your medical doctor often includes a basic eye exam.
What is CHIP?
/by Rebecca YatesThe Children’s Health Insurance Program (CHIP) provides low-cost insurance converge to children in families who earn too much money to qualify for state Medicaid. If your child(ren) are eligible for CHIP, you do not have to purchase an insurance plan to cover them. Each state has its own rules and guidelines, but the CHIP program works closely with the states Medicaid program.
You can apply any time of year, by either calling 800-318-2596 or by filling out the application through the Health Insurance Marketplace and if your child(ren) qualify, coverage can start immediately.
What CHIP covers.
CHIP benefits are different in each state. But all states provide comprehensive coverage, including:
There is no cost for routine ‘well child’ doctor and dental visits under CHIP. However, there may be co-payments for other services. In addition, some states charge a monthly premium for CHIP coverage but you will never pay more than 5% of your families yearly income.
What is the fate of the U.S. healthcare?
/by Rebecca YatesIn the upcoming months, we can expect to hear what Donald Trump has in store for the Affordable Healthcare Act. During his campaigning, Trump made it known that a change was definitely part of his agenda as President. The policies that Trump is proposing will require extensive changes to the current U.S. regulatory and legal structure as well as to the tax law. The employer mandate and taxes on plans and insurers are what make the Affordable Health Care Act accessible, especially for those with lower incomes. A change in this structure makes funding unclear.
Appealing the Affordable Health Care act will not be an easy task as more than 20 million people have gained health insurance over the last three years due to the Affordable Health Care Act. In addition, folks on both sides on the political table like certain aspects of the Affordable Health Care Act, like the provisions regarding preexisting conditions, coverage for dependents up to age 26 and preventive care. Republicans have yet to propose an actual replacement for the Affordable Health Care Act which in turn could leave millions of people without coverage.
As of October, exchanges saw an increase of 22% on average. Utah’s average was 30%, because the rates in Utah have historically been lower than across the nation. In addition, several large insurers existed the exchanges.
Rest assured, any changes will take time to implement. The new President-elect will face many challenges repealing a policy that has insured millions.