Welcome to Hall Health Advisor
Health Insurance Specialist
About Us
Hi my name is Zana! I’m an experienced licensed health advisor serving clients in 30 states. Through my work experience I’ve found there’s a gap of individuals misunderstanding their healthcare coverage. So that’s why I hold your hand as we go through the healthcare options. I compassionately guide talented individuals to achieve their highest career potential.
Zana Hall
Health Insurance
Why Do We Need Insurance?
- 14.5 Million Cancer Survivors
- Stroke Every 40 Seconds
- Heart Attack Every 43 Seconds
What are individual and family plans?
Individual and family plans offer coverage to unemployed and self-employed people, students, people between jobs, and retirees who aren’t yet eligible for Medicare or Medicaid health insurance benefits.
Medical Expenses: Not So fun Facts
- 900,000 Bankruptcies in the US: #2 Reason: Medical Expenses
- $432 Billion Non-Fatal Injuries 2016
- Rising Healthcare Costs are #1 Concern of Small Business Owner
What’s out There?
Group Plans
- Employer Contributes
- Cost Analyze Your Group
- Single Coverage vs Family Coverage
- Deductibles & MOPs
- High Risk Pool
Obamacare
- Premiums Based on Income
- Guaranteed Coverage
- High Deductibles
- Limited Networks
- High Risk Pool
What’s The Difference?
EPO
- Zip Code Restricted
- Most Restricted
- No Out-of- Network
HMO
- State Restricted
- Referrals
- No Out-of- Network
POS
- Stay in network
- Need to get a referral
PPO
- Any Doctor
- Any Hospital
- No Referrals
- Nationwide
Deductibles & Max Out of Pocket
- ACA: $5k-12k Deductable
- Doctor Visits…
- 80/20; 70/30; 60/40
- Max Out of Pocket + Premium + Ded = Worst Case Scenario
- 1st Dollar Coverage (No Copay at Time of Svc)
- Low Max Out of Pocket + 100%
- Repricing & Benefits
Why Private?
- Low Risk Pool = Better Benefits & Rates
- 30-50% Savings
- Only Pay For What You Need…
- 24/7 Coverage, On/Off Job
Get health insurance for your small business
Health insurance is a critical factor for small businesses to help retain and recruit employees and sustain productivity and satisfaction. We of health insurance options designed to help your small business save money and support your employees’ health and well-being.
Purchase a health plan with the Small Business (1-15 employees)
Get a quote and see what deductible, copays and premium amounts are most popular with businesses like yours — all in under 10 minutes. When the time is right, you can purchase health insurance for your business setting a time with me.
Dental insurance
Find dental insurance plans for individuals and families. Dental health is an important part of your overall health. Dental plans can help you plan and budget for the costs of dental care. With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants. Dental insurance plans are underwritten by Golden Rule Insurance Company, and include a range of options so you can find one that’s most affordable for you.
Preventive care right away
Get access to preventive care on day 1 of your plan — no waiting period.
Large provider network
Choose from a nationwide network of dentists who offer dental work to members at negotiated lower rates.
Vision insurance
Find vision insurance or eye care insurance for individuals and families
Vision insurance is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses. You can buy vision plans in addition to your health insurance or even with other supplemental plans, like a dental plan.
What does vision insurance cover?
- Coverage for people of all ages
- No waiting periods
- Saving through a national network of vision service and eyewear providers
- Freedom to go out of network and still get benefits if you pay the difference between your plan allowance and your final cost
Accident insurance
Why accident insurance?
Why consider accident insurance? Because accidents happen when you least expect them. Even with health insurance, the extra expenses from an accidental injury can really add up. Lost wages from missing work, high health insurance deductibles and unpaid bills all affect your lifestyle, home and family. And because 57% of Americans have less than $1,000 In their savings accounts, many don’t have financial help during times like these.
What are my accident insurance options?
The options you have for accident insurance vary by state, but multiple plan options are available to meet many needs and budgets.
- Benefits paid directly to you
- Multiple benefit levels so you can choose a monthly cost that works for you
- No networks - Choose where you want to get care
- Cash to help with unexpected medical costs due to accidental Injury
- Cash for accidental Injury medical costs that can help pay health insurance gaps, like a high deductible