NewPlanOptions Health Insurance Review

newplanoptions

newplanoptionsNewPlanOptions is a quality insurance company that is also one of my favorites in the health insurance field. This provider, sponsored by the CMS Insurance Agency, has offices in several states and a great website for everyone who wants to get in touch and find out more about their services.

There is no better time to support family-owned businesses. This one was founded back in 1985, and they’ve been providing quality insurance to their customers for 35 years. Today, the company is headed by Steve Saigh and Colette Saigh.

It’s a business that is licensed in 45 states, which means you’re very likely living in one of those.

If you think that you’ve found your potential new healthcare insurance provider, keep on reading to learn all about the types of insurance that they offer, how to get a quote, ways to get in touch, the biggest pros and cons, customer reviews, what makes NewPlanOptions better than similar providers, and much more.

Pros

  • Licensed in 45 states
  • Competitive prices
  • Easy access and communication
  • A wide variety of health insurance plans
  • Easy to get a quote
  • Monthly payments available

Cons

  • No coupon feature
  • No discounts

Types Of Insurance Offered

This company delivers a wide variety of health insurance plans to satisfy all your needs. Here are the plans you can discover and potentially purchase:

  • Short-term plans
  • Healthcare sharing plans
  • Traditional health insurance
  • Business health insurance
  • Medicare Supplement plans
  • Medicare Advantage plans

As you can see, this is a company that is focused on healthcare, helping their customers choose the ideal insurance strategy that works best for them.

How To Get A Quote

It’s so easy to get a quote from NewPlanOptions health insurance.

All you need to do is visit their website, where you can fill out a questionnaire that will give you a quote. Once you do, you will get several different options, which you can then filter to your preferences. If you’re interested in what each plan includes, NewPlanOptions has a guide that might answer most of your questions.

The company also offers instant chat that pops up when you visit the website. This is a much faster way to get all your questions answered. There will be an agent on the other end that will talk with you and give you the information that you need.

Another way to get a quote and talk to their representatives is to call the numbers they have listed on the website. This is a great alternative if you don’t want to spend too much time filling out questionnaires online and prefer more person-to-person interaction.

Next, the company offers the option for you to request a callback, by entering your details in the Contact section on their website. They will give you a call, so you can let them know what you want to discuss, including a potential health plan and the cost.

What Does NewPlanOptions Insurance Company Cover?

This is a company that offers health insurance in several forms and different packages. Now, let’s take a look at what each plan consists of.

Short-Term Plans

Short-term health insurance is becoming more and more popular. It’s a great alternative for anyone who needs to get their own insurance plan for a short amount of time. If you ever find yourself without healthcare coverage for a few months or up to a year, this is something you need to consider.

Thanks to the affordable character of this plan, many people opt to get it when they are in an employment gap. Because of the COVID-19 pandemic, many people were left unemployed, without employer-provided health insurance, andfound their solution in this package.

If you’ve decided to take a break from your previous long-term plan and need time to think things over, short-term plans will have you covered. Also, if you just left your job, it’s time to seek other healthcare coverage choices.

Healthcare Sharing Plans

Another NewPlanOptions health insurance option is a healthcare sharing plan, which people usually purchase in cases of a medical emergency. These packages are also known as health care sharing ministries.

The way these sharing plans work is that each applicant should first be approved by the ministry and meet their requirements. Once they’re a part of the group, the insured pays a monthly fee together with the other members, which is later used to cover medical emergencies.

Traditional Health Insurance Plan

There are two ways to get a traditional health insurance plan, either through your employer or directly from an insurance provider. These plans purchased from insurance providers can fall under the marketplace established as a part of the Affordable Care Act (ACA) and will be made up of rights and protections that are mandated by law.

According to the ACA, insurance companies are not allowed to refuse to cover your medical expenses for pre-existing conditions. That’s definitely a big plus for this type of insurance plan.

Business Health Plan

The business health plan is great for all business owners and their employees who are seeking health insurance. There are two alternatives, one more basic and another premium plan that includes dental, vision care, and more.

Medicare Supplement Plans

The Medicare Supplement plans fill the gaps in your Medicare healthcare coverage. For people to qualify for this plan, they need to have Medicare part A and Medicare part B. From there, you can look at premium upgrades with these two plans, or choose new ones that fall under other categories but still benefit your original plan according to your needs.

While original Medicare covers 80% of your covered healthcare costs, a Medicare Supplement will cover the remaining 20%.

Medicare Advantage Plans

This is another plan that fills in the gaps in your primary coverage, including features such as vision and hearing needs, prescription drug coverage, routine dental procedures, and more.

Cost

One of the lingering questions that most people are concerned about is the cost of health insurance. Sure, it can be very expensive, but in the end you’re investing in your health.

The two most affordable options from this company are the short-term plans and the healthcare sharing plans. If low cost is high on your list of musts, these are the packages you should research.

The traditional health plans don’t have a fixed cost, the final price depends on the variation of the plan that you’ll pick and the state where you live.

When it comes to the Medicare packages, there are 10 to choose from. These are plans you get if you already have Medicare parts A and B, as I mentioned before. They bring a wide variety of benefits.

Customer Service & Satisfaction

The customer service provided by NewPlanOptions is amazing! They are very detail-oriented and prepared to help their customers at any moment. Real customer testimonials show that this is a dedicated team—they’re friendly, knowledgeable, and will answer all of your questions at any time.

Our Tips / Buying Guide

Healthcare insurance is such a confusing topic, which becomes even more complicated when you look at the numerous companies that sell packages and plans.

My suggestion is to educate yourself and do as much research as possible. Before deciding on a health insurance company, you need to know what you’re looking for. It doesn’t matter whether you’re interested in a traditional plan or a premium one, you have to know what you’ll be getting.

The internet is your best friend when it comes to insurance, making it other people’s opinions and experiences very accessible.

Aside from reading my NewPlanOptions health insurance review, get on their website and read all they offer with the plans that you’re interested in.

Another tip is to set a budget. Health insurance plans can be basic and cost less, but they can also come with premium features and cost quite a lot. When you set a budget, it will be much easier for you to choose.

Next, talk to an agent from the company! If you’re happy with the communication, you’ll know that you’ve potentially found a good match. Since NewPlanOptions offers different forms of communication, you can also try their instant chat option or send them an email to request a callback.

What Makes NewPlanOptions Different From Competitors?

This company is one that brings diversity to the market. When you take a look at the plans they offer, you’ll see there is something for everyone.

Here are some of the key features that highlight this insurance company and raise it above others:

  • Great communication
  • Knowledgeable team
  • Diverse health insurance plan options
  • Long-term experience in the field of health insurance

FAQs 

Does This Company Offer Other Types Of Insurance In Addition To Healthcare Policies?

No, this is a company that focuses solely on healthcare insurance. They do have an option for business owners who are seeking health insurance for themselves and their employees.

One of  two plans to choose from is Individual Coverage Health Reimbursement Arrangements (ICHRA) where the employer transfers funds to the employees, who use it for their healthcare insurance. It’s a great alternative for small businesses that can’t afford to spend too much on other, more expensive plans.

The second plan is the Except Benefit Health Reimbursement Arrangements (EBHRA), which comes in a package with a traditional health plan. It’s costlier compared to the ICHRA one but offers more benefits.

The EBHRA covers expenses such as dental care, vision care, COBRA coverage, and more.

Does This Company Offer Pre-Existing Conditions Coverage?

If you choose a plan under the Affordable Care Act, then your insurance provider can’t deny you coverage of pre-existing conditions.

Final Thoughts

This is a great insurance company with thousands of happy customers over the years. When doing my research, I noticed that many of their customers return year after year. They are happy with what the company does for them, so maybe you’re just found your new health insurance provider.