Other Health Coverage

Other health coverage, clearly explained

Beyond Marketplace and Medicare plans, there are supplemental and alternative options. They don't all work the same way, so it's important to understand what each one does and doesn't cover.

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Understanding the categories

These categories are not equivalent. Some are comprehensive health insurance; others only pay for specific events or aren't insurance at all.

Category	What it is
Comprehensive major medical	Covers a broad range of care, including essential health benefits. ACA Marketplace plans are an example.
Supplemental	Adds to major medical coverage by paying benefits for specific events, such as an accident or critical illness.
Fixed indemnity	Pays a set dollar amount for a covered event, such as a day in the hospital, regardless of the actual cost of care.
Limited-benefit	Covers certain services up to set limits. It isn't a substitute for comprehensive coverage.
Short-term	Temporary coverage for a limited period. It may not cover pre-existing conditions or all essential health benefits.
Healthcare sharing	Members share eligible medical costs under program guidelines. It is not insurance and doesn't guarantee payment.

Supplemental, fixed indemnity, limited-benefit, short-term and healthcare sharing options do not replace comprehensive major medical coverage. Joseph can help you understand the differences.

Options we may be able to help with

Availability depends on the product and your situation.

Presidio healthcare options

Healthcare options through Presidio. The approved description, plan type and destination are awaiting client confirmation.

Talk about Presidio healthcare options

Allstate Health Solutions

Health coverage options through Allstate Health Solutions. The approved description, plan type and destination are awaiting client confirmation.

Talk about Allstate Health Solutions

Altrua HealthShare

Altrua HealthShare is a healthcare sharing arrangement, not traditional health insurance. Members share eligible medical costs according to program guidelines, and payment of medical bills is not guaranteed.

Talk about Altrua HealthShare

Supplemental coverage

Accident, critical illness and hospital indemnity plans can pay set benefits for specific events. They add to major medical coverage and do not replace it.

Accident
Critical illness
Hospital indemnity

Talk about Supplemental coverage

Short-term and other alternatives

Shown only if offered and approved. Short-term and limited-benefit plans don't have to cover all essential health benefits and may exclude pre-existing conditions.

Talk about other alternatives

How we help

Tell us what you need

Share a little about yourself, your household and what matters most to you in your coverage.

Review options with Glajola Resources.

We explain the options that may fit, in plain language, and answers your questions.

Continue with the right provider

When you're ready, you continue through the appropriate approved carrier or enrollment platform.

Questions people often ask

Quick answers to common questions. For anything about your own situation, Joseph is happy to help.

See all FAQs

No. Healthcare sharing arrangements are typically faith-based or cooperative cost-sharing communities and are not regulated as traditional insurance plans under state and federal insurance laws. Payment of eligible medical expenses is generally not guaranteed.

Short-term health insurance is temporary coverage designed to help with certain medical expenses during a coverage gap. Benefits and exclusions vary, and these plans may not provide the protections or essential benefits of ACA-compliant coverage.

Supplemental insurance can help with specific expenses not fully covered by your primary health plan. Depending on the policy, it may provide benefits for accidents, critical illnesses, hospital stays, or other qualifying events.

Accident insurance may pay a fixed benefit for covered injuries or services resulting from qualifying accidents. It is generally intended to supplement health insurance rather than replace comprehensive medical coverage.

Critical illness insurance typically pays a specified benefit if you are diagnosed with a covered condition listed in the policy. Covered illnesses, eligibility requirements, waiting periods, and payout rules vary by insurer.

Coverage Glajola Resources can help with

Let's talk about your coverage

Contact Glajola Resources to book a time that works for you. You don’t need to have everything figured out first.

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