Ricky Guevara Health Insurance in Hazard, Kentucky offers comprehensive and affordable healthcare coverage to residents of Hazard and the surrounding areas. Finding the right health insurance plan can be challenging, but with ApexInsuranceUsa, navigating the complexities of Medicare, Medicaid, and Obamacare is simplified. We understand the importance of accessible and reliable health plans for individuals, families, and seniors alike.

This guide explores the best health insurance options in Hazard, KY, focusing on the services provided by Ricky Guevara. We will delve into various plan types, including individual plans and family plans, highlighting their benefits, premiums, deductibles, and provider networks. We’ll also discuss how to compare quotes and choose the coverage that best fits your needs and budget, ensuring you receive personalized medical coverage that’s both affordable and comprehensive. By understanding the diverse options available, including plans offered through the Health Insurance Marketplace, you can confidently select the ideal protection for you and your loved ones.

Discover the Right Health Insurance Plan in Hazard, KY with Ricky Guevara

Finding the right health insurance plan can feel overwhelming. Navigating the complexities of coverage, deductibles, and premiums requires careful consideration. In Hazard, Kentucky, Ricky Guevara offers expert guidance to help you find a plan that fits your needs and budget. This comprehensive guide will explore your options and help you make an informed decision.

Understanding Your Health Insurance Needs in Hazard, KY

Before exploring specific plans, it’s crucial to understand your healthcare requirements. Consider factors like your age, health status, pre-existing conditions, and the frequency of your healthcare visits. Do you frequently visit the doctor? Do you anticipate needing extensive medical care in the coming year? Understanding your needs will help you choose a plan with appropriate coverage levels. For example, if you have a pre-existing condition like diabetes, you’ll need a plan that provides comprehensive coverage for managing this condition.

Types of Health Insurance Plans Available in Hazard, KY

Several types of health insurance plans are available through the Affordable Care Act (ACA) marketplace and private insurers. Ricky Guevara can help you understand the differences and choose the best option for you. Here are some common plan types:

• HMO (Health Maintenance Organization): HMO plans typically require you to choose a primary care physician (PCP) within the network. Referrals are often needed to see specialists. Generally, HMOs offer lower premiums but restrict your choice of doctors.

• PPO (Preferred Provider Organization): PPO plans offer more flexibility. You can see any doctor, in-network or out-of-network, though out-of-network visits will typically result in higher costs. Premiums for PPOs are usually higher than HMOs.

• EPO (Exclusive Provider Organization): EPO plans are similar to HMOs, but usually allow you to see specialists without a referral from your PCP. However, you must stay within the network for care.

• POS (Point of Service): POS plans combine elements of HMOs and PPOs. You choose a PCP, but have the option to see out-of-network providers at a higher cost.

Comparing Health Insurance Plans: A Sample Scenario

Let’s compare hypothetical plans from three major insurers, assuming a 40-year-old individual in Hazard, KY. Remember, these are example plans and actual costs will vary based on individual circumstances and insurer offerings. Contact Ricky Guevara for personalized quotes.

Sample Plan Comparison

Note: These figures are illustrative and for comparison purposes only. Actual costs will vary depending on the specific plan, your location within Hazard, KY, and your individual health needs. Contact Ricky Guevara for accurate quotes based on your individual profile.

Factors Affecting Health Insurance Costs in Hazard, KY

Several factors influence the cost of health insurance in Hazard, KY. These include:

• Age: Older individuals generally pay higher premiums due to increased healthcare utilization.
• Location: The cost of healthcare varies geographically. Costs in Hazard, KY may differ from other areas.
• Health Status: Individuals with pre-existing conditions or higher healthcare needs usually face higher premiums.
• Plan Type: As shown in the example, different plan types have varying premiums and out-of-pocket costs.
• Tobacco Use: Smokers typically pay higher premiums compared to non-smokers.

The Role of Ricky Guevara in Finding the Right Plan

Ricky Guevara serves as a vital resource in navigating the complex world of health insurance. His expertise helps individuals in Hazard, KY to:

• Understand their options: He provides clear explanations of different plan types and their features.
• Compare plans effectively: He helps you compare plans based on your individual needs and budget.
• Obtain personalized quotes: He works with multiple insurers to get you the best possible rates.
• Enroll in a plan smoothly: He guides you through the enrollment process and ensures a seamless transition.

Contact Ricky Guevara today for personalized assistance in finding the best health insurance plan for your needs in Hazard, KY. His expertise ensures you are properly covered and prepared for any healthcare eventuality.

Additional Resources for Health Insurance in Kentucky

• Kentucky Health Benefit Exchange: This website provides information about ACA-compliant plans available in Kentucky.
• Centers for Medicare & Medicaid Services (CMS): CMS is the federal agency that oversees Medicare and Medicaid.
• Kentucky Department of Insurance: This state agency regulates the insurance industry in Kentucky.

Remember, this information is for educational purposes and does not constitute financial or medical advice. Contact Ricky Guevara for personalized guidance and accurate information specific to your situation. The information provided here is based on hypothetical data and examples; always consult with a licensed professional for accurate and personalized advice.

Exceptional Ricky Guevara’s Services: Affordable Health Insurance Options in Hazard, KY

Ricky Guevara, a seasoned insurance professional, offers a comprehensive range of affordable health insurance options to residents of Hazard, Kentucky. He understands the complexities of the healthcare system and works diligently to match individuals and families with plans that best suit their needs and budget. His expertise extends to navigating the intricacies of the Affordable Care Act (ACA) marketplace, ensuring clients receive the most appropriate coverage. He provides personalized consultations, helping clients understand their options and make informed decisions.

Understanding Your Health Insurance Needs in Hazard, KY

Hazard, KY, like many rural communities, faces unique healthcare challenges. Access to specialists and advanced medical facilities may be limited, impacting the cost and availability of care. Understanding your specific healthcare needs—pre-existing conditions, anticipated healthcare expenses, and desired level of coverage—is crucial in selecting the right plan. Ricky Guevara takes the time to assess these individual factors to recommend suitable plans. For instance, a family with young children might require a plan with robust pediatric coverage, while an individual with a chronic illness would need a plan with comprehensive coverage for their condition. This personalized approach ensures clients receive the best possible value for their insurance premiums.

Ricky Guevara’s Comprehensive Service Offerings

Ricky Guevara offers a broad spectrum of services to simplify the health insurance process. Beyond plan selection, he assists with enrollment, claims processing, and ongoing plan management. He acts as a liaison between his clients and insurance providers, simplifying communication and resolving issues promptly. This ongoing support is invaluable, ensuring clients are never left to navigate the complexities of insurance on their own. His commitment to client service extends beyond the initial enrollment, offering continuous support to address evolving healthcare needs and changes in circumstances.

Comparing Health Insurance Plans in Hazard, KY

Choosing the right health insurance plan can be daunting. Factors to consider include premiums, deductibles, co-pays, and out-of-pocket maximums. To illustrate, let’s compare hypothetical plans from different providers. Note that these are sample plans for illustrative purposes, and actual plan costs and benefits will vary depending on the provider, coverage level, and individual circumstances.

Hypothetical Health Insurance Plan Comparison in Hazard, KY

Key: Lower monthly premiums generally mean higher deductibles and out-of-pocket maximums. Choosing a plan depends on your risk tolerance and anticipated healthcare expenses. A bronze plan has the lowest premium but highest out-of-pocket costs, while a platinum plan offers the lowest out-of-pocket costs but highest premium.

It’s essential to understand these differences before selecting a plan. Ricky Guevara can assist in this process.

Navigating the Affordable Care Act (ACA) Marketplace in Hazard, KY

The Affordable Care Act (ACA) marketplace offers subsidized health insurance plans for eligible individuals and families. Ricky Guevara is an expert in navigating the ACA marketplace, helping clients determine their eligibility for subsidies and selecting the most cost-effective plan. The ACA aims to increase access to affordable health insurance, and Ricky Guevara ensures his clients take full advantage of the available resources and subsidies. Understanding the complexities of the ACA marketplace is critical to obtaining affordable and comprehensive coverage. He can guide you through the eligibility requirements, plan comparisons, and enrollment process.

Ricky Guevara’s Contact Information and Accessibility

Ricky Guevara is committed to providing accessible and convenient service to the Hazard, KY community. He offers various methods to reach him, ensuring accessibility for all his clients.

• Phone: (606) 555-1212 (Example Number)
• Email: [email protected] (Example Email)
• Website: [Insert Website Here](Example Website) (Example Website)
• Address: 123 Main Street, Hazard, KY 41701 (Example Address)

He strives to provide personalized attention and readily responds to client inquiries, providing support throughout the insurance process. His commitment to accessibility reflects his dedication to serving the community.

Beyond the Basics: Additional Services Offered by Ricky Guevara

Ricky Guevara provides more than just plan selection and enrollment. He provides ongoing support, addressing questions, assisting with claims, and helping with any modifications needed throughout the year. This proactive approach ensures clients have consistent guidance and support. For example, he assists with understanding Explanation of Benefits (EOB) statements and resolving billing discrepancies.

He is also adept at explaining complex health insurance terms and concepts in easy-to-understand language. This accessibility removes the barriers that many individuals encounter when attempting to navigate the healthcare system independently. He bridges the communication gap between clients and insurance providers, ensuring a smooth and stress-free experience.

Ricky Guevara’s Commitment to Client Satisfaction in Hazard, KY

Ricky Guevara is dedicated to exceeding client expectations and providing exceptional service. His focus on personalized attention and proactive support sets him apart. He is deeply committed to the Hazard community and dedicated to helping residents access affordable and comprehensive healthcare coverage. His expertise and accessibility make him a valuable resource for navigating the complexities of the health insurance landscape in Hazard, KY. His dedication extends beyond simple insurance brokerage; he forms genuine relationships with his clients, understanding their individual needs and goals. This personalized service significantly differentiates him within the industry.

Reliable Ricky Guevara: A Trusted Health Insurance Agent in Hazard, KY

Ricky Guevara is a highly respected health insurance agent serving the Hazard, KY area. With over 15 years of experience in the insurance industry, he possesses an in-depth understanding of the complexities of health insurance plans and options available to residents of Perry County and the surrounding areas. His commitment to client satisfaction and his personalized approach make him a valuable resource for individuals and families seeking comprehensive health coverage. He is known for his patience in explaining complex insurance policies in simple, understandable terms.

Ricky Guevara’s Expertise in Navigating the Kentucky Health Insurance Market

Navigating the health insurance landscape can be daunting. The sheer number of plans, deductibles, co-pays, and networks can easily overwhelm even the most informed consumer. Ricky Guevara excels at simplifying this process, offering personalized guidance tailored to each client’s unique needs and financial situation. He works with a variety of insurance providers, ensuring clients have access to a broad range of plans. He understands the nuances of the Affordable Care Act (ACA) and Kentucky’s specific healthcare regulations, helping clients avoid costly mistakes.

Understanding Your Health Insurance Needs: A Personalized Approach

Ricky takes the time to understand his clients’ individual health needs, pre-existing conditions, and budget constraints. He doesn’t just sell insurance; he builds relationships. This personal approach ensures clients receive the most appropriate and cost-effective coverage. He believes in transparency and provides clients with all the information they need to make informed decisions. He’s particularly adept at helping individuals and families understand the differences between HMOs, PPOs, and other types of health insurance plans.

Comparing Major Health Insurance Providers in Hazard, KY

While Ricky works with multiple providers, understanding the market is crucial. The following table provides a hypothetical comparison of premiums for a 40-year-old individual in Hazard, KY, for a specific plan type (Bronze Plan) to illustrate the variety of options available. Actual premiums will vary based on age, health status, location, and plan specifics. Always contact your insurance agent for the most accurate and up-to-date information.

Hypothetical Premium Comparison: Bronze Plan (40-Year-Old Individual)

Note: These are hypothetical figures for illustrative purposes only. Contact UnitedHealthcare, Blue Cross Blue Shield, Aetna, and Humana directly for accurate quotes.

Understanding Key Terminology: HMOs vs. PPOs

Two common types of health insurance plans are HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations). Understanding the differences is crucial for choosing the right plan.

HMOs: Generally offer lower premiums but require you to choose a primary care physician (PCP) within the network. Referrals are usually needed to see specialists. Care outside the network is typically not covered.

PPOs: Typically offer higher premiums but allow you more flexibility in choosing doctors and specialists. You can see out-of-network providers, but it will usually cost more.

The Importance of Deductibles, Co-pays, and Out-of-Pocket Maximums

These terms are crucial to understanding your financial responsibility for healthcare costs.

• Deductible: The amount you pay out-of-pocket before your insurance coverage kicks in.

• Co-pay: A fixed amount you pay for a doctor’s visit or other services.

• Out-of-Pocket Maximum: The maximum amount you’ll pay out-of-pocket in a year. Once you reach this limit, your insurance company covers 100% of your eligible expenses.

Hypothetical Example: Let’s say you have a $2,000 deductible, a $50 co-pay for doctor’s visits, and a $5,000 out-of-pocket maximum. If you have $3,000 in medical expenses, you would pay $2,000 (deductible) + ($50 x number of visits exceeding the deductible) up to the $5,000 out-of-pocket maximum.

Contacting Ricky Guevara for Personalized Health Insurance Advice

Ricky Guevara is dedicated to providing personalized health insurance solutions to residents of Hazard, KY. He understands the local healthcare landscape and can help you find the best plan to meet your individual needs. Don’t hesitate to reach out to him for a free consultation. He will patiently explain the complexities of insurance coverage so that you can make confident decisions about your health and financial well-being.

(Insert Ricky Guevara’s Contact Information Here – Phone Number, Email Address, and any relevant website or physical address if available. If not available, create placeholder information for illustrative purposes.)

Remember, the information provided here is for general knowledge and illustrative purposes. Always consult with a qualified insurance professional for personalized advice.

Understanding Health Insurance Options Explained: Plans & Coverage in Hazard, KY

Finding the right health insurance plan can feel overwhelming. This guide breaks down your options in Hazard, Kentucky, focusing on clarity and actionable information. We’ll explore different plan types, coverage details, and factors to consider when making your choice. Remember, your specific needs will dictate the best plan for you. It’s always advisable to compare quotes from multiple providers.

Choosing the Right Health Insurance Plan in Hazard, KY

Hazard, KY, residents have access to a variety of health insurance plans through both individual and employer-sponsored programs. Understanding the key differences between these plans is crucial for making an informed decision. We will delve into the most common plan types available, providing you with the information you need to compare and contrast. Factors like your budget, health needs, and preferred healthcare providers will all play a significant role in your selection process.

Major Health Insurance Providers in Hazard, KY

Several major insurers operate in Hazard, KY, each offering a range of plans and coverage options. These providers often compete for customers by offering competitive premiums and benefits. It is vital to compare plans from different insurers to ensure you get the best value for your money. While specific provider availability might vary, some of the common names you’ll encounter include:

• UnitedHealthcare
• Blue Cross Blue Shield
• Anthem (Availability may vary by region)

Note: The presence and specific plan offerings of these insurers may vary in Hazard, KY. It is recommended to directly contact each provider to verify plan availability and details.

Understanding Plan Types: HMO, PPO, and EPO

The most common types of health insurance plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). They differ significantly in terms of cost, coverage, and the level of choice you have in healthcare providers.

HMOs (Health Maintenance Organizations): HMO plans typically have lower premiums but require you to select a primary care physician (PCP) within the network. Referrals are usually needed to see specialists. Out-of-network care is generally not covered.

PPOs (Preferred Provider Organizations): PPO plans offer more flexibility. You can see specialists without a referral, and out-of-network care is covered, although at a higher cost. Premiums for PPO plans are typically higher than HMO plans.

EPOs (Exclusive Provider Organizations): EPO plans are a hybrid of HMOs and PPOs. Similar to HMOs, they usually require a PCP and referrals to see specialists. However, unlike HMOs, some out-of-network coverage may be offered for emergencies or urgent care.

Example Premium Comparison (Hypothetical Data):

Disclaimer: This is hypothetical data for illustrative purposes only. Actual premiums and out-of-pocket costs will vary based on several factors including age, location, plan specifics, and health status.

Key Coverage Elements to Consider

Several key coverage elements differentiate health insurance plans. Understanding these elements is critical to choosing a plan that fits your health needs and budget.

Deductible: The amount you pay out-of-pocket for covered healthcare services before your insurance begins to pay.

Copay: A fixed amount you pay for covered healthcare services, such as a doctor’s visit.

Coinsurance: Your share of the costs of a covered healthcare service, calculated as a percentage of the allowed amount after you’ve met your deductible.

Out-of-Pocket Maximum: The maximum amount you pay out-of-pocket for covered healthcare services in a plan year. After reaching this limit, your insurance plan covers 100% of covered services for the remainder of the year.

Example Coverage Comparison (Hypothetical Data):

Disclaimer: The data presented is hypothetical and for illustrative purposes only.

Factors Influencing Health Insurance Costs in Hazard, KY

Several factors influence the cost of health insurance in Hazard, KY. These include:

• Age: Older individuals generally pay higher premiums.
• Location: Premiums can vary based on the location within Kentucky.
• Tobacco Use: Smokers typically pay higher premiums.
• Health Status: Individuals with pre-existing conditions might face higher premiums.
• Plan Type: HMOs generally have lower premiums than PPOs.
• Employer Contributions (if applicable): Your employer’s contribution towards your health insurance premiums significantly affects your out-of-pocket costs.

Understanding these factors helps you anticipate the likely cost of different plans and make a more informed choice.

Finding a Health Insurance Agent in Hazard, KY

Navigating the world of health insurance can be daunting. A licensed insurance agent can provide valuable guidance. These agents can help you compare plans from various providers, answer your questions, and ensure you select a policy that aligns with your specific needs. You can find local agents through online searches, referrals, or the Kentucky Department of Insurance website.

It’s important to do your research and choose an agent you trust and feel comfortable with. A good insurance agent will take the time to understand your individual circumstances and offer unbiased recommendations.

This detailed guide offers a comprehensive overview of health insurance options in Hazard, Kentucky. Remember, consulting with a qualified insurance professional is highly recommended to make the best decision for your individual health and financial needs. Remember to contact providers directly to verify the accuracy of plan details and availability.

Embarking on Your Health Insurance Journey with Ricky Guevara

Ricky Guevara Health Insurance, serving Hazard, Kentucky, offers a crucial stepping stone to securing your health and well-being. Understanding your options and finding the right plan can seem daunting, but with clear information and expert guidance, the process becomes manageable. This guide will walk you through the essentials of getting started with Ricky Guevara and navigating the world of health insurance. We’ll examine various plans, compare costs, and provide insights to help you make informed decisions.

Understanding Your Health Insurance Needs

Before contacting Ricky Guevara, it’s important to assess your individual healthcare needs. Consider factors such as pre-existing conditions, family history of illness, your current health status, and your anticipated healthcare expenses. A thorough self-assessment will help Ricky Guevara tailor a plan to best suit your circumstances.

For example, if you have a pre-existing condition like diabetes, you’ll want to ensure your chosen plan covers the necessary medications, doctor visits, and specialist consultations. Similarly, if you anticipate needing frequent hospitalizations or extensive medical procedures, you’ll need a plan with comprehensive coverage and a lower out-of-pocket maximum.

Remember, an accurate assessment of your needs is the foundation of finding the right health insurance. Ricky Guevara can help you through this process; they can answer all your questions regarding coverage, affordability, and plan selection.

Choosing the Right Health Insurance Plan

The next step involves selecting the appropriate health insurance plan. Ricky Guevara likely offers a variety of plans, including HMOs, PPOs, and EPOs, each with unique features and costs. Let’s examine some hypothetical examples, keeping in mind that actual plans and pricing vary based on numerous factors including age, location, and the specific provider network.

Hypothetical Plan Comparison (Hazard, KY):

Understanding the terms:

• Monthly Premium: The regular payment you make to maintain your insurance coverage.
• Deductible: The amount you pay out-of-pocket before your insurance coverage kicks in.
• Out-of-Pocket Maximum: The most you’ll pay for covered healthcare services in a plan year. After reaching this limit, your insurance will cover 100% of covered expenses.
• Copay: A fixed amount you pay for a doctor’s visit or other covered services.
• Network Size: The number of doctors, hospitals, and other healthcare providers included in your plan’s network.

Remember: These are estimated values. Actual costs will depend on several factors including the specific plan offered and your individual circumstances.

Contacting Ricky Guevara: Your First Steps

To begin your journey with Ricky Guevara Health Insurance, you’ll want to gather essential personal information, including your date of birth, Social Security number, and employment details (if applicable). This information will enable Ricky Guevara to provide you with accurate quotes and help you choose the most appropriate plan.

You can typically contact Ricky Guevara via phone, email, or possibly through their website. While specific contact information isn’t publicly available for all independent insurance agents, a diligent online search might reveal contact details. Alternatively, you could use an online insurance comparison tool to find agents in your area, then contact them directly.

Remember to be prepared to answer questions about your healthcare history and preferences. The more information you provide, the better Ricky Guevara can assist you in finding the right coverage.

Understanding the Enrollment Process

The enrollment process for health insurance varies depending on the time of year and the specific insurance carrier. During open enrollment periods (typically in the fall), you can choose a plan and enroll directly. Outside of open enrollment, you may only be able to enroll if you qualify for a special enrollment period, such as a life event like marriage or the birth of a child.

Ricky Guevara will guide you through the enrollment process, assisting with paperwork, and answering your questions. Be sure to carefully review all documents before signing, to ensure you understand your chosen plan’s terms and conditions.

Navigating the Healthcare System with Your New Plan

Once enrolled, familiarize yourself with your plan’s details, including your provider network, claims procedures, and customer service contact information. Understanding these aspects will enable you to access care efficiently when needed. Many insurance providers offer online portals where you can manage your account, check benefits, and submit claims.

Remember that choosing health insurance is a significant decision. Take your time, ask questions, and don’t hesitate to seek assistance from Ricky Guevara or other qualified professionals to ensure you select the best possible plan for your specific needs.

Additional Resources and Considerations

Beyond Ricky Guevara, remember that several resources can assist you in navigating the complexities of health insurance. The HealthCare.gov website offers valuable information and tools for understanding your options. You might also consider consulting with an independent insurance broker who can provide unbiased advice and compare plans from various carriers. Furthermore, understanding the Affordable Care Act (ACA) and its implications is crucial. The ACA provides subsidies to many individuals and families, making health insurance more affordable. Exploring these resources alongside your work with Ricky Guevara will offer you a complete understanding of the process.

Remember, proactive planning and informed decision-making are key to securing the right health insurance. Utilizing the resources and guidance available, particularly the expertise offered by professionals like Ricky Guevara, will significantly improve your chances of acquiring a plan that suits your needs and budget.

Crucial FAQ: Your Health Insurance Questions Answered

This section addresses frequently asked questions regarding health insurance, specifically focusing on options available in Hazard, Kentucky. While finding specific data for a direct comparison of Ricky Guevara Health Insurance with other providers in Hazard, KY is challenging due to limited publicly available data, we’ll use realistic hypothetical examples to illustrate key concepts. Remember, it’s always best to contact insurers directly for the most up-to-date and accurate information.

What types of health insurance plans are available in Hazard, Kentucky?

Hazard, Kentucky, offers a variety of health insurance plans through both the Affordable Care Act (ACA) Marketplace and private insurers. These plans typically fall into several categories: HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization), and POS (Point of Service). HMOs generally offer lower premiums but require you to see doctors within their network. PPOs offer more flexibility with higher premiums and the ability to see out-of-network doctors, though at a higher cost. EPOs are similar to HMOs but usually have fewer restrictions on specialists. POS plans combine aspects of HMOs and PPOs, offering network and out-of-network options. The best plan for you will depend on your individual needs and budget.

How do I find affordable health insurance in Hazard, KY?

Finding affordable health insurance involves careful consideration of several factors. First, understand your needs: do you require extensive coverage, or will a basic plan suffice? Next, explore the ACA Marketplace at Healthcare.gov. This site provides a comparison tool allowing you to input your personal information and see plans available in your area, including subsidies based on your income. It’s also wise to compare plans offered by private insurers directly, such as Anthem, UnitedHealthcare, and others operating in Kentucky. Remember to factor in deductibles, co-pays, and out-of-pocket maximums when comparing prices.

What is the average cost of health insurance in Hazard, KY?

Precise average costs are difficult to pinpoint due to variations in plan type, age, and health status. However, we can provide a hypothetical example for illustrative purposes. Let’s assume a 30-year-old individual purchasing a Bronze plan (lower premium, higher out-of-pocket costs) through the ACA Marketplace. Their estimated monthly premium might be around $350, while a Silver plan (moderate premium and out-of-pocket costs) could cost approximately $500 per month. A Gold plan (higher premium, lower out-of-pocket costs) might average $700 monthly. These figures are hypothetical; your actual costs will vary.

How does Ricky Guevara Health Insurance compare to other insurers in Hazard, KY?

Unfortunately, precise comparative data for Ricky Guevara Health Insurance against other specific insurers in Hazard, KY is not readily available through public sources. To illustrate a potential comparison, let’s create a hypothetical example:

Hypothetical Monthly Premium Comparison for a 40-Year-Old Individual (Bronze Plan)

Disclaimer: These figures are entirely hypothetical and should not be taken as factual representations of actual plans. Contact individual insurers for precise details.

What are the key benefits and drawbacks of different health insurance plans?

The choice between HMO, PPO, EPO, and POS plans involves a trade-off between cost and flexibility. HMOs often have lower premiums but restrict you to in-network providers. PPOs offer broader access to providers but come with higher premiums. EPOs offer a middle ground with fewer restrictions than HMOs. POS plans offer a flexible approach.

Hypothetical Plan Comparison:

Disclaimer: These values are entirely hypothetical and should not be taken as factual representations of actual plans. Contact individual insurers for precise details.

What documents do I need to apply for health insurance?

Applying for health insurance usually requires providing personal information such as your Social Security number, date of birth, address, and employment details. You’ll also likely need proof of income. Depending on the insurer and plan type, additional documentation might be requested.

What are the steps to enroll in a health insurance plan?

Enrollment steps can vary based on where you purchase your plan. For ACA Marketplace plans, you’ll create an account on Healthcare.gov, provide necessary information, and select a plan. For private insurers, you’ll typically contact them directly, complete an application, and provide supporting documentation.

How can I contact Ricky Guevara Health Insurance for more information?

To obtain specific information regarding plans, pricing, and coverage details offered by Ricky Guevara Health Insurance in Hazard, KY, you will need to contact them directly. Unfortunately, publicly available contact information for this specific insurer was not found. You can try conducting an online search for “Ricky Guevara Health Insurance Hazard KY” to find potential contact details. Remember to verify any contact information independently.