This is a very simple 1-2 step process depending on your specific needs. Some members have very serious health conditions and require more time. This entire process can be completed by your agent, online and will sometimes require you to complete an electronic signature through email or text. Medicare member calls are all recorded.

You are NEVER required to release any health related or financial information whatsoever, unless it's required by the carrier or program for which you are applying. However, the more you share with your agent, the more customized we can design your coverage so please share as much as you're comfortable with.

To complete your assessment, we will need to gather information like the names, dates of birth and genders for all plan members. We will also need your phone, email (if applicable), zip code and county. If you'd like to apply for subsidies, we will also need your income and tax household information.

As required by Federal law, your information is stored using HIPAA encrypted software which is the highest security available. Your information is NEVER shared with ANYONE without a "need to know". This means we only share your information with the carrier for which you are applying or with the Federal Program for which you are applying. For more information about how we protect your information, click the links to view our terms of use and our privacy policy.

We only offer "A-Rated" Carriers as reported by AM Best These are companies like...

AARP, Aetna, AM Better, Anthem, Blue Cross, Cigna, Humana, Mutual of Omaha, United Healthcare, Delta Dental and hundreds more.

If you do not have health coverage available through an employer, a spouse's employer, Medicaid, Medicare, Tricare or Tribal coverage, then you might qualify for a health plan through the Health Insurance Marketplace. The price for a health plan through the Marketplace is based on your household size and income but most people can expect to pay between 0% - 8.5% of their income towards health insurance premiums each year.

HOUSEHOLD SIZE: To figure out your household size, you simply add all family members listed on your tax return for the year in which you are applying for coverage. You are person 1, your spouse (if applicable) would be person 2, and each dependent you claim is then counted to get your total. Be sure you count each person even if they don't need to be covered under your plan and even if they don't live with you. If they'll be included on your tax return, count them.

INCOME: The Government expects you to report your households "modified, adjusted gross income" or "AGI". To figure out your "combined household adjusted gross income", you simply add all the "adjusted gross income" for each person on your tax return. To learn more about what income should be included in your total, please consult your tax advisor or click here.

All plans offered in the Marketplace cover these 10 essential health benefits:

1.) Ambulatory patient services (outpatient care you get without being admitted to a hospital)

2.) Emergency services

3.) Hospitalization (like surgery and overnight stays)

4.) Pregnancy, maternity, and newborn care (both before and after birth)

5.) Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)

6.) Prescription drugs

7.) Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

8.) Laboratory services

9.) Preventive and wellness services and chronic disease management

10.)Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Plans must also include the following benefits:

Birth control coverage

Breastfeeding coverage

Plans may voluntarily offer additional benefits, including:

Dental coverage

Vision coverage

Medical management programs (for specific needs like weight management, back pain, and diabetes)

When comparing plans, you’ll see exactly what each plan offers.

Here's an example of what a typical health insurance plan looks like and how much you can expect to pay for services.

ABC HEALTH INSURANCE: BRONZE PLAN

All plans offered on the Marketplace must pay for approved "preventative and wellness exams" 100% (no cost to you) as long as you see a provider within their network. See approved list of free preventative and wellness exams.

Deductible: $5000 (you pay this first, before the plan begins to pay for benefits, unless it states otherwise in the summary of benefits).

Coinsurance: 40% (this is the percentage of your claims that you must pay after you've met your deductible if deductible applies). (You'll continue to pay this percentage until you've reached your plans "maximum out of pocket" listed in the summary of benefits. Once your maximum out of pocket has been met, you pay $0 for the rest of the calendar year for services.)

Maximum Out of Pocket: $9150 per year. (This is most you pay for your health services in a calendar year. This amount includes your deductible and co-insurance combined).

Preventative & Wellness: $0 (deductible does not apply)

Doctor Visit: $30 each visit (other than preventative & wellness) deductible does not apply

Specialist Visit: $80 each visit (someone who specializes in a specific area of medicine like cardiology or dermatology) deductible does not apply

Emergency Room: Subject to your deductible first then coinsurance applies (up to maximum out of pocket)

Urgent Care: $40 each visit (deductible does not apply)

Labs: $25 per test (unless part of approved preventative and wellness exam) deductible does not apply

Scans: Subject to your deductible and coinsurance (up to your maximum out of pocket)

Surgery: Subject to your deductible and coinsurance (up to your maximum out of pocket)

Prescriptions: Tier One Generic: $10 - Tier Two Preferred Brands: $25 - Tier Three Brands: $50 - Tier Four Non-Preferred Brands: $100 - Speciality Medications: Deductible / Coinsurance

Most other medically necessary services, are covered once you've met your deductible and coinsurance percentage.

It's true! You can no longer be declined for major medical health insurance due to health reasons. Therefore, pre-existing conditions are covered on day one of coverage.

1.) Ask your tax advisor if you might benefit from setting up a Health Savings Account (HSA). Having a HSA helps members keep a high deductible health plan which ultimately saves money monthly. Remember, the lower your deductible, the more your monthly payment will be. This is simply because you are asking your insurance company to start paying claims sooner then if you have a high deductible.

2.) Even if you don't have a HSA account, you can still opt for a high deductible health plan. The higher the deductible, the lower the monthly payment.

3.) Apply for subsidies through the Marketplace. The Government will pay a part or all of your health insurance payments each month. The amount you qualify for depends on your household size and income. Your agent can help determine how much you qualify for and will help you complete your application. To learn more about this program, click here.

4.) When you work with Cornett Consulting, we specialise in getting you the most coverage for the least amount of money. We use a variety of financial strategies, complex calculations and technology tools to assist us in always being ahead of the curve and ready to serve! Call or text us now at 520-272-5950.

LICENSED SINCE 2003

Insurance and retirement needs are unique to each individual. We take the time to get to know you and your custom needs and preferences. We're partnered with the most financially strong carrier partners and we use tried and true, money-saving strategies to give our clients the advantage. Our focus is on client education. The more educated you are about how insurance is used to leverage risk, the better decision you will make on your own behalf. Text your questions to: 520-272-5950, we look forward to serving you and your family for years to come!

All services are free. The carriers pay us for our time and expertise.

Email us at [email protected] or call or text us at 520-272-5950. We are open six days per week to assist you with all of your questions. You can also reach out to your insurance carrier at the "customer service" phone number provided on your member ID card.