Taking that first step, together.
Company A or Company B... the only thing that matters
is finding the right product for you!
WE SPECIALIZE IN
Our clients' needs above the interests of carriers.
ACA Health Plans Definition
Comprehensive coverage for individuals and families, mandated by the Affordable Care Act, including doctor visits, prescriptions, and preventive care, with subsidies based on income.
Why It Matters: Ensures affordable access to essential healthcare, protecting against unexpected medical costs and promoting wellness for all life stages.
Dental, Vision, and hearing
Supplemental insurance focusing on routine and preventive care for teeth, eyesight, and hearing, often not fully covered by major plans.
Why It Matters: Enhances daily quality of life with affordable access to critical services, preventing small issues from becoming major health concerns.
Medicare Advantage (Part C)
All-in-one plans for 65+ or disabled, bundling hospital, medical, and extras like dental. Carrier Tie-In: Humana provides tailored benefits for a worry-free retirement.
Why It Matters: Fills Medicare gaps with convenience and added wellness perks.
Medicare Supplements (Medigap)
Policies that cover out-of-pocket costs like copays and deductibles not paid by Original Medicare are available in standardized plans
(A-N).
Why It Matters: Provides financial predictability and peace of mind, ensuring ongoing care without the burden of unexpected expenses.
H E L L O
Our Health Philosophy
At Guardian Oaks, we take pride in putting our clients' health first. Regardless of whether it's Company A or Company B, we are here to help.
Your needs and interests are always our top priority.
Direct access to a licensed health insurance expert.
Video and conference calls for personalized health guidance.
Phone, SMS, and text appointments for health planning, available on request.
Streamlined health plan reviews, often without physicals.
Real-time updates on your health coverage options.
Custom health plans designed for your unique needs.
Don’t Delay Your Wellness.
Connect with us for a personalized health insurance consultation and explore how we can safeguard what matters most to you.
WELLNESS
You Deserve Wellness During Life's Challenges
Navigating health challenges can be overwhelming for families, and at Guardian Oaks, we're here to provide support and health stability during those moments.
Frequetly Asked Question
What is health insurance, and why does it matter?
Health insurance is a contract between you and an insurance company where you pay regular premiums in exchange for coverage of medical costs, such as doctor visits, hospital stays, prescriptions, and preventive care. It acts as a financial safety net, sharing the burden of healthcare expenses to prevent illness or injury from leading to debt or denied care.
When can I enroll in health insurance?
You can typically enroll during the annual Open Enrollment Period (November 1 to January 15 in most states), with coverage starting as early as January 1. Outside this window, a Special Enrollment Period (SEP) triggers for qualifying life events, like losing job-based coverage, having a baby, getting married, or moving.
What are the different types of health insurance plans?
Common types include HMOs (requiring in-network providers and a primary doctor), PPOs (offering flexibility with out-of-network care at higher costs), EPOs (like HMOs without out-of-network coverage), and POS (blending HMO and PPO features). Medicare and Medicaid are government programs for seniors/disabled and low-income individuals, respectively.
What is the difference between a copay and coinsurance?
A copay is a fixed amount you pay for a specific service (e.g., $25 per doctor's visit), regardless of the total cost. Coinsurance is a percentage of the bill you pay after meeting your deductible (e.g., 20% of a $1,000 procedure = $200). Copays offer predictability; coinsurance scales with costs.
What is a deductible, and how does it work?
A deductible is the amount you pay out-of-pocket for covered services before your insurance starts sharing costs (e.g., $1,500 annually). High-deductible plans often pair with Health Savings Accounts (HSAs) for tax-advantaged savings. Once met, coinsurance or copays apply until you reach your out-of-pocket maximum.
What does "in-network" vs. "out-of-network" mean?
In-network providers have contracted rates with your insurer, lowering your costs. Out-of-network means higher charges, often with higher deductibles or no coverage at all (except emergencies). Always check your plan's directory.
What are pre-existing conditions, and are they covered?
Under the Affordable Care Act (ACA), insurers cannot deny coverage, charge more, or exclude benefits for pre-existing conditions (e.g., diabetes, asthma). All plans must cover them from day one.
SOCIAL MEDIA
Follow Us
Get In Touch
Email: [email protected]
Assistance Hours
Mon – Sat: 9:00 am – 8:00 pm EST
Sunday: 10:00 am - 4:00 pm EST
Phone Number:
(757) 520-0804