1. Do I need to have immigration status to buy a complementary policy / protector?

No, it is not necessary to have an immigration status.

2. Can I pay the policy / protector in cash?

No, for the payment of the premium a current account is required and the route number for the address of the policy charges, thus avoiding the risk of cancellation of the policy, due to non-payment.

3. How do I know what type of policy / protector I need?

To define what your coverage is, you need to meet with our Integral Advisor.

To guide you based on your needs.

4. Does the advice have a cost?

No, it has no cost. The advice is completely free.

5. Can I go to regular medical consultations and cover myself with any of the policies / protectors?

No, the policy / protector is not a primary medical coverage nor does it replace it. It is an additional complementary policy that pays you in cash when you need it most.

6. Where do I get paid? Benefits?

Benefits pay to the same account where charges are made.

7. Can I insure my dad, my mom and my children?

If you can, we have different products that we have of your need and the person's age.

8. What qualifies me to have a policy / protector?

You qualify as your physical condition and need, which is determined with certain eligibility questions.

9. How old must I be to purchase a policy?

Be over 18, receive a bank account where you will be paid cash benefits.

10. Is there an age limit?

Yes, and they vary according to the type of protector.

11. Are the proceeds to acquire a policy?

Yes, you must have income above 18,000 a year to be eligible.

12. Do I need to provide medical exams to acquire a policy?

No, you do not need to provide any type of medical exam.

14. What do I have to do to get advice and choose my plan?

You need to schedule an appointment, by going to the link on the main calendar page, where you can see the availability of day and time and fill out the form in the link: Understanding your needs. Our Integral consultant will contact you.

You can also contact her directly by whatsapp, if you already have the application downloaded on your phone, making use of the link (whataspp icon) that you will see in the lower right. If you don't have it yet, you just need to download it (NO COST) and then you can contact it by using the link (whataspp icon).

Our experience guarantees you the best advice according to your needs.

Our professionalism takes care of your privacy and that of yours.

We are committed to supporting your Total Wellness, with quality products.

HEALTH MARKET - OBAMACARE PROGRAM

What is the Health market?
Health insurance markets (also known as exchange) are organizations established to create more organized and competitive markets to buy health insurance. They offer a selection of different health plans.
Through the insurance market, individuals and families can buy coverage if they need to buy health insurance on their own. In these markets, there are cost sharing, to reduce the cost of coverage of individuals and families, based on their income. Families or individuals with very low incomes can also find coverage through the market, if they are eligible for Medicaid or CHIP (child health insurance). Finally, small businesses can also purchase health coverage in the market for their employees through the Small Business Health Options Program (SHOP).

1. What are the life changes that qualify me for a Special Enrollment Period:

1. Changes in household size: You may qualify for a Special Enrollment Period if you or someone in your household in the last 60 days:
• Married. Choose a plan for the last day of the month and your coverage can begin on the first day of the following month.
• Had a baby, adopted a child, or placed a child for temporary care. Your coverage can start on the day of the event - even if you enroll in the plan up to 60 days later.
• You divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage does not qualify you for a Special Enrollment Period.
Death. If someone in your Marketplace plan dies and as a result you are no longer eligible for your health plan, act
1. Changes of residence: Changes of address that qualify you for a Special Enrollment Period:
• Moving to a new home in a new county or zip code
• Move to the United States from abroad or territory.
• If you are a student, move to or from where you go to school

• If you are a temporary worker, move to or from where you live and work
• Move to or from a shelter or other transitional housing
2. What happens if I lose my medical coverage? You may qualify for a Special Enrollment Period if you lost your qualified coverage in the last 60 days OR expect someone in your home to lose coverage in the next 60 days.
• Lose coverage based on your employment
• Lose individual medical coverage because of a plan or policy you bought
• Loss of eligibility for Medicaid or CHIP
• Loss of eligibility for Medicare
• Loss of qualified medical coverage through a family member

3. How the enrollment periods of the Special Periods work if I lose coverage
If coverage is already lost: you must select a plan within 60 days after the date the coverage ended and documents must be submitted within 30 days of selecting a plan. Coverage begins (if a premium was paid) on the first day of the month after selecting a plan.
If coverage is lost in the future: you must select a plan 60 days before the date the coverage will end and documents must be submitted within 30 days of selecting a plan. Coverage begins (if a premium was paid) the first day after your coverage ends and you select a plan.

4. How and where can I know what documents to send?
• Learn if you have to send documents after submitting your request. Details and instructions appear in your eligibility notice. Your insurance advisor will indicate and help you make the process easy and simple.
5. What should I do first: Select a plan and then send documents or vice versa?
• It is best to first select a plan and then submit your documents. After selecting a plan, you have 30 days to submit the documents.
6. When does my coverage start?
• Your coverage will begin depending on when you select the plan. But you cannot use your coverage until your eligibility is confirmed and you pay your first premium.

7. What happens if you don't ask me for Documents?
• If your eligibility notice does not say you need to send documents, you do not have to. Simply select a plan and sign up.
8. If I get married I can include my husband
• You must select a plan within 60 days after marriage. Documents must be submitted within 30 days of selecting the plan and coverage begins the first day of the month after selecting the plan.

9. Can I include my child in coverage?

• Yes, within 60 days after the denial of CHIP or MEDiCAID. Documents must be submitted within 30 days of selecting the plan and coverage begins the first day of the month after selecting the plan.

10. What happens if I don't select a plan within 60 days of having an event in my life?

• Your eligibility for the Special Enrollment Period has passed. You cannot enroll in a medical plan until the next Open Enrollment, unless you qualify for another Special Enrollment Period

11. Who can buy coverage in the Health Market?
• To be eligible, you must live in the state where your market is, you must be a citizen of the United States or be in the country legally, and you must not be in prison.
• Most immigrants who are legally in the country can buy insurance through the health insurance market. This group includes immigrants who cannot enroll in Medicaid.
• Undocumented immigrants cannot buy coverage through health insurance markets.
• To qualify for aid through tax credit, people must meet additional requirements related to their income and eligibility for other coverage.