3 years later and the day many of us have dreamt of is on the calendar

Since March 2020, we have all been waiting. Waiting to go back to normal, as the months went on, we were waiting to leave our homes for more than a grocery run; then we were waiting for mask mandates to be lifted, and now the last straw is that the state of emergency is set to be lifted this May. Over the past nearly four years, there have been moments we wouldn’t see this day for many years, but now that we are here, what does it mean? As we still have about a month to go, there is a lot of speculation regarding how the lift will change our new normal—the New York Times reported on the subject defining the situation as “confusing” as such. Here is how we expect the state of emergency lifting should affect you based on your insurance. 

Not insured 

During the state of emergency in some states, those without coverage have received temporary Medicaid coverage for tests, treatments, and vaccines, which could end in May.

On Medicaid

Those on Medicaid can access covid tests and treatments at no cost until 2024 due to the American Rescue Plan. 

On Medicare

Thanks to the CARES Act, medicare members can still obtain free covid vaccines; however, you may have to pay copays for therapies like antivirals and tests ordered by doctors. 

Private insurance

The most significant change for most people will be they can no longer be eligible for eight free at-home covid tests each month through their insurance. 

 

This next “Normal” phase is new territory, especially for the healthcare industry. While the state of emergency lifting is a sign of Covid being in our rearview mirrors, staying updated with vaccines and boosters for the whole family remains vital. Physicians still recommend wearing masks and getting tested when you are under the weather. 

Source

 

Access to health (for) Everyone Everywhere

With one in ten people not having health insurance in the United States, I think it’s safe to say we have an access problem within the industry. But what does it mean to have real access to healthcare? It’s more than just being given a single option, take it or leave it. It’s more than being trapped for a year paying for coverage you don’t understand. 

Here at HealthEE by HBG, access means two things, education, and freedom. First, you should control your health and be free to choose how much coverage is right for you—space in selecting the range and longevity of the coverage. Only want benefits while you are between jobs, waiting to join your partner’s plan, or enduring a waiting period for a new job? Then, you can use HealthEE by HBG. More than just the power of choice, with our advisors on the Ask Evan team, you have access to guidance and education to understand better why you need what you need. We’ve taken something as guarded and confusing as healthcare and turned the conversation to ease and possibility. With Ask Evan in your corner, no question is too small. Your dedicated advisor will take you step by step through how the process works, yes, but also have a casual and honest conversation about your lifestyle and health needs. Once you understand what you need, you can enter our online marketplace and add your coverage to your cart. 

Having access is a power in itself. In our first year, HealthEE by HBG has provided this power to 125,000 members through association partnerships within real estate, logistics, teachers, healthcare, and a myriad of other industries. You can also wield the power of access by scheduling a call with our ask Evan team here or browsing the original online store that started it all here.

We’ve Done The Work For You

A quick google search of insurance will produce a startling number of hits, all filled with confusing industry jargon. Many unable to break through the noise will purchase plans with too much or too little coverage. Having the wrong coverage doesn’t benefit anyone. Here at HBG, our team of experts are industry veterans that have seen it all and want to help you find benefits that do just that, benefit you. 

You may think your insurance options begin and end with your employer. However, we know how limiting this can be, our plans do not require employer sponsorship, meaning your coverage is yours and follows you in the event of a life change such as a job change or move within the country.

Our team has had decades of experience in the insurance industry and has curated an array of plans that are accessible and possible for everyday life. In addition, we have researched, reviewed, and vetted every carrier seeking the best value for our benefits, from cost to service to flexibility. As a result, we’ve taken insurance from a buzzword with 2,680,000,000 (and counting) search results to a user-friendly online store as easy to navigate as your favorite online retailers.

The Healthee by HBG expertise doesn’t stop with the online store itself. You can become an expert by utilizing our dedicated support team headed by Ask Evan, whose specialty is educating customers on their benefit options. The Ask Evan team is available to discuss plans that make sense for you and your family. So the next time you need to make a doctor’s appointment or have to order a prescription, you will do so with the confidence that what you need is covered and supported. Ask Evan your questions by text, phone, email, or virtual appointment. It’s never been easier to ask questions and educate yourself on your coverage.

Enjoy our hard work and expertise by browsing all our products here. We’ve got you covered. Whether you’re looking for medical plans, home, auto, supplemental coverage, or even device insurance, we’ve done the work for you.