Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. Each company is unique, with it's own set of needs and requirements. As a result, we do not provide cookie cutter solutions.
We treat every client differently with the understanding that every employer has different needs! When it comes to insurance, we know that making the right choices for you and your family can be daunting. To help you make the right decision we take a commonsense approach - we ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.
We treat every client differently with the understanding that every employer has different needs! When it comes to insurance, we know that making the right choices for you and your family can be daunting. To help you make the right decision we take a commonsense approach - we ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.
Services
About Us
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CHM is a leading multi-cultural health insurance agency that specializes in delivering superior service and value to ethnically diverse families, seniors and small to mid-size businesses. We act as your personal Health Insurance Doctor, to diagnose coverage gaps, recommend custom benefit solutions and provide unique value-added programs.
Individual Health Insurance
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Health insurance is a critical to helping you control your health care costs. You pay health care companies a premium - a set amount of money each month - and you get benefits to pay for your eligible health care expenses. This can include regular doctor checkups or injuries to treatment for long-term illnesses.
Health Insurance Plans Available on the Marketplace
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There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan's network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan's network.
Essential Health Benefits
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Under the Affordable Care Act (ACA), fully insured small group and individual health plans on and off the Exchange/Marketplace must cover essential health benefits (EHB). Essential health benefits are minimum requirements for all plans in the Marketplace. Plans may offer additional coverage. You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Summary of Benefits and Coverage
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