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.
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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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!
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!
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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.
Fast, clear, convenient. I will recommend to everyone! Thank you very much for the help!
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Bakhtiyar (The Bullet) Eyubov
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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.
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Inessa Alexis Green
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.
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!
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!
Rustam is very professional and helpful. Always find ways to help his clients. Very polite and respectful, fast responded. Highly recommend his service!
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!
H+H Community Engagement
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Manager in a medical office
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