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Individual & Family Plans
These insurance plans for members under age 65, with benefits such as doctor visits, lab tests, prescription drugs, and hospital visits are available based on age, income, and residency status.
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If you or your family member does not qualify for Medicaid (based on age, income and residency requirement) or Child Health Plus (below 19 years old age requirement), then you may qualify for the Essential Plan and still have access to high quality health care. EssentialCare provides you access to insurances such as Fidelis Care, UnitedHealthCare and Emblemhealth's four different income-based "tiers" of the Essential Plan (1, 2, 3, 4).
Any one of these Essential Plan tiers offer access to essential health benefits like lab tests, doctor visits, prescription drugs, urgent and emergency care, hospitalization and more. In addition, people can add dental and vision benefits. All these medical - dental - vision benefits in Essential Plans are either $0 or very low monthly plan premium.
Who can apply?
The Essential Plan is for you if you meet certain income requirements or if you are a young adult who no longer qualify for Child Health Plus. It is also a great option if you cannot get health insurance coverage through your employer. Therefore, if you are in the age group of 19-64 and qualify based on income and residency, without insurance through your employer, you can apply for the Essential Plan.
Essential Plans
Qualified Health Plans
If your income is higher than the requirement for the Essential Plans, our staff at EssentialCare will introduce you to the list of options of the qualified health plans from available health insurance carriers. You have an option of wide variety of the plans depending on your budget and needs: standard qualified health plans offer health benefits that cover the essential health protection that you and your family need.
In addition to the standard qualified plans, there are plans with the standard benefits plus adult dental and vision care. The Platinum, Gold, Silver, Bronze, and Catastrophic Plans vary based on their premium rates, designs and required cost sharing
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Wide selection of major insurance companies.
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We speak English, Russian, Tajik, and Ukrainian languages.
We can assist with selection of the most suitable insurance plan for you and your family
Have the most up to date knowledge of healthcare and health insurance industry
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Our clients trust us
Rustam has been working with me to navigate through all kinds of insurance plans so that I can fully understand them and feel good about the choices I make. He is extremely patient and sits with you until you have exhausted all of your questions and he knows that you understand your options. I would highly recommend him and Essential Care to anyone!
Larisa Shafir
Retired engineer
I would like to thank Rustam and Gulia for helping my wife. The biggest concern was to find insurance plan for my wife and not change her doctor. Gulia was able to quickly find the right plan and provide clear explanation. My wife got insurance just for $20 a month and didn't change her doctor to whom she goes for many years. I will definitely recommend Essential Care to all my friends!
Mikhail Papyan
District Manager
Essential Care Team did a phenomenal job for my business and family. The best service from A to Z. Rustam was available 24/7 to assist and to answer questions. Totally recommended!
Misha
Entertainment Agency
Rustam is always pleasant to work with. He goes above and beyond to meet the needs of members. Always hands on and available to answer questions anytime of the day.
Tatyana
Healthcare
Fast, clear, convenient. I will recommend to everyone! Thank you very much for the help!
Kiril Belov
Photographer
Rustam is amazing!!! I was looking for a great deal for insurance and he hooked me up and made everything so easy and flawless.
Anatoly Masterovoy
Technical Recruiter
I cannot express how grateful I am to Rustam and Essential Care for their professional service. I am a professional boxer and health insurance is extremely important in my life. Rustam and Essential Care were able to promptly find an affordable health insurance coverage for me.
Bakhtiyar (The Bullet) Eyubov
Professional Boxer
Working with EssentialCare is very easy. Just few minutes of discussion with Rustam and Gulia and all difficult questions are gone, as they have huge experience. You don't need to explain many times they understand you from the first minute of conversation and suggest you the best way to get benefits in the short period of time.
I am recommending them based on the experience of my company needs! They constantly helping me out with employees of Today's Home Care.
Mark Kharzis
Business Development Director at Today's Homecare, Inc.
Incredibly knowledgeable in their field. Came to see them not expecting the level of professionalism and dedication. They were able to find me the plan that has all my doctors and cost me a lot less than what some other insurances and brokers offered me. Very pleased and highly recommend! Great service! Thank you EssentialCare.
Dmitry R
Network/Voice Engineer
I recently had insurance issues during pandemic, I had many issues with the costumer service and the representatives who took a while to figure out the issue. I have contacted Rustam to help me out to get back on my plan. He patiently listened to all of the issues I was facing. He was a big professional who got me back on the plan as fast as possible.
Ilhom Huseynov
CEO transportation company
Rustam is an excellent specialist in his field,he has been helping me resolve all issues with my health insurance for the past six years! He is competent, attentive and responsive person, positive and sincere. He will always help to solve any issue and advise the best, I am very grateful to him for his help and support. I recommend him as a provider to my friends and acquaintances and to everyone who needs help in obtaining good health insurance and competent decisions and recommendations.
Inessa Alexis Green
Medical field
I am grateful to have such caring an attentive agent like Rustam. He took the time to listen to our needs and found a perfect plan for our family. We are grateful for his knowledge and attention. Highly recommend his services.
Eleina Pomerants
self employed
Выражаю особую благодарность Рустаму за его оперативную работу, обратную связь и отзывчивость! Его профессиональные навыки и большой опыт в своём деле помогли в кратчайшие сроки оформить необходимые для меня документы! Обратилась в первый раз по рекомендации друзей и не пожалела о своём выборе! Работа была выполнена качественно , быстро и аккуратно, при минимальном моем личном участии. Очень приятно, что вы заботитесь о своих клиентах и цените их время! Рустам, пусть Ваша компания и команда и дальше плодотворно развивается в своём направлении, успехов Вам в работе и благодарных клиентов!
Inara
Self Employed
Рустам и его команда - просто шикарнейшие профессионалы в области мед страхования! Могу смело порекомендовать их всем, кому нужна помощь знающих специалистов в этих вопросах. Так держать!
Вячеслав
Advertising manager
Rustam is very professional and helpful. Always find ways to help his clients. Very polite and respectful, fast responded. Highly recommend his service!
Polina
Billing
Phenomenally!!! Rustam and his team were extremely knowledgeable and kind to work with. They made the enrollment process so easy. Knowing they will provide their professional expertise for future needs is a wonderful service. I am very grateful!!! Recommend EssentialCare to everyone!
Svitlana
H+H Community Engagement
If you need to quickly make insurance and get answers to your questions, you can safely rely on the opinion of Rustam, a professional in his field, I will recommend as a good specialist to all my friends.
Iryna Kalashnyk
permanent tattoo art
I work with Rustam for a few years already, very polite and helpful. Never had a issue with him, very recommended
Angela Shor
Manager in a medical office
Thanks Rustam for my insurance, it was ready very fast , he answered all my questions, polite man . I am glad very much now I can visit doctor and get my pills
Elvira
Tourist manager
I was recommended Rustam by my lawyer and didn't regret for a second. Within an hour I got my insurance with the plan that suits all my need. Very polite, professional and ready to answer all of your questions immediately! Strongly recommend him to everyone! Thank you Rustam for your help!
Victoria
Manager in laser spa
A friend of mine recommended Rustam to me. And it was the best recommendation for all time. I did not regret it for a minute.
My family and I needed to change our insurance plan. And we have a great experience with Rustam. He is an excellent agent! Rustam is professional, polite and very helpful.
I will recommend him to all my friends.
We thank Rustam so so much!
Svitlana Sishchuk
Stay at home mom
My friend advised me to contact Rustam for insurance assistance. Rustam explained all details for me. He was very polite and patient to all my questions. In very short time he helped me to get very good insurance plan. Thanks a lot. If you are looking for insurance assistance, Rustam is the best!