
Medical Insurance pays the doctors and hospitals. Supplemental insurance pays YOU for expenses such as deductibles, co-payments, your max-out-of-pocket expenses and non-medical expenses such as lost wages, mortgage payments and childcare costs.
The 2021 individual max-out-of-pocket on an ACA health plan is $8550 per year. (STM can be even higher.) Supplemental insurance can help you pay additional expenses to avoid medical debt. Many people feel paying a small monthly fee is more manageable than a large, unexpected out-of-pocket cost.
Can you afford NOT to have supplemental insurance? Contact me today to discuss your best options for supplemental insurance!
I am a licensed natural medicine specialist who has been practicing Naturopathic Medicine for 24 years. I live and practice in Scottsdale, AZ where I treat patients both in person and remotely through telehealth consultations. Any chronic condition and many acute conditions can benefit from treatment with Naturopathic Medicine, including migraines, autoimmune disease, recurrent infections, fatigue, and stress or anxiety.
As of April 1st, the American Relief Plan (ARP) is making it possible for you to pay less for your health insurance by receiving an Advanced Premium Tax Credit (APTC) on Affordable Care Act plan premiums. For those of you who already receive an APTC, you may receive a larger subsidy or realize increased benefits. The ARP also can benefit those individuals on COBRA. AND, you may not be responsible for repaying an APTC for tax year 2020. Contact me to learn more and see if you qualify.
The American Rescue Plan was recently signed into law, significantly expanding ACA subsidy eligibility for many individuals. This provision of the COVID relief bill, coupled with the federal Special Enrollment Period, aims to increase health insurance enrollment and affordability for many Americans by providing:
There are many different factors when it comes to eating healthy. 



