(586) 484-8969 lauren@nbplans.com

We Have Your Health Insurance Needs Covered

Health insurance doesn’t have to be hard. We are here to guide you through the process of finding the right health insurance for you and your family.

Freedom Health Insurance is Now National Benefit Plans

What We DO
OUR SERVICES

We help individuals find the care they need at an affordable price. We are here to guide you through the process of finding the coverage you need.

Health Insurance

We will help you find affordable health coverage, keeping deductibles as low as possible while also keeping  out-of-pockets expenses at a minimum.

Life Insurance

Breathe easier knowing that your loved ones will be taken care of. Your spouse and children won’t heave to bear the burden of funeral expenses.

Medicare

If you are over 65, we can help you find the right coverage, and if needed, supplemental insurance to receive the care you need.

Family health insurance

OUR MISSION

Why work with us?

Health Insurance has changed significantly since Marketplace Healthcare Exchange (Obama Care) was implemented. Premiums have skyrocketed, while benefits and coverage have been cut. We have great tools and a team ready to assist you with all your insurance needs. We offer a wide selection of affordable insurance packages including Medicare Advantage, Medicare supplements, Marketplace Health Care Exchange (Obama Care), Qualified Health Plans, Direct Family / Individual Health Insurance, Life Insurance, Group Insurance, Catastrophic Plans, Prescription Drug Plans, & similar insurance products. With our expert experience we will take the time to find you the perfect plan and tailor plans to your unique situation. We provide annual reviews to ensure the plans continue to meet your insurance needs and budget. Whether you are paying too much, not happy with your current plan or just seeking a comprehensive overview of available options. We are confident you will be pleased with our attention to detail and customer service. We will navigate you through the significant changes in healthcare, now and in the future and be here every step of the way to help you make an informed decision.

Focused on relationships

You’re not just another number. You are extremely important to us. We pride ourselves in taking care of our clients and being there when you need us. Our professional staff will treat you like one of the family. We are not looking to gain a customer we are looking to build a trusting relationship with our clients.

We will be your guide

With so many plans, options, and prices, healthcare can be difficult. We also understand that people’s needs and budgets are different. We will make it easier by tailor-making a plan just for you.

Fast, Secure Health Insurance Quotes Made Easy

Our knowledgeable, friendly staff is waiting to provide you the best health insurance quote. We can help you find a health insurance plan that is right for you and your family, at the right price.

Fast, Easy Quotes

Fill out our simple quote form, and one of our friendly staff members will get back to you as soon as possible.

Quality Plans. Low Prices

Health insurance doesn’t have to cost an arm and a leg. We’ll help you and your family find the right health plan for you.

Secure Application

Our forms are secure, and your information will not be shared or sold to other companies. We have you covered.

FAQs

What is the Cost?

The cost of a health insurance plan can vary significantly depending on several factors, including the type of plan, coverage level, location, age, family size, and subsidies. It’s essential to carefully review the details of any health insurance plan you’re considering, including its costs and coverage options, to determine the best fit for your needs and budget.

Can I change plans later if needed?

Yes, you can typically change health insurance plans during certain periods. Common scenarios and periods when you can typically change health insurance plans are during Open Enrollment, which in the United States occurs each fall, and during a special enrollment period. You may qualify for a special enrollment if you experience special life events such as getting married, having a baby, adopting a child, moving to a new area, losing other health coverage, or experiencing changes in income that affect your eligibility for subsidies. Keep in mind that switching health insurance plans may have implications for your coverage, costs, and provider network, so it’s essential to carefully review your options and consider your needs before making a change.

What is the difference between a deductible and an out-of-pocket maximum?

The deductible and the out-of-pocket maximum are both important concepts in health insurance, but they serve different purposes. The key difference between a deductible and an out-of-pocket maximum is that the deductible is the initial amount you must pay before your insurance begins to contribute, while the out-of-pocket maximum is the maximum amount you’ll have to pay for covered expenses in a plan year, including the deductible. Once you’ve reached your out-of-pocket maximum, your insurance plan covers the rest of your covered expenses for the year.

What is the difference between Copays and Coinsurance?

Copay and coinsurance are both ways that you share the costs of healthcare services with your insurance company, but they work in slightly different ways. Copays are fixed amounts you pay for specific services upfront, while coinsurance is a percentage of the cost of services that you pay after you’ve met your deductible.

Fill out our Secure Online Application

We take your personal security seriously. Fill out our fast, secure online application and our respresentatives will help you find a medical plan that is right for you and your situation. We will not share your information with 3rd party companies.