Kast Health Insurance Agency

Kast Health Insurance Agency is dedicated to making sure our clients can get “real” affordable insurance coverage with no surprises.  Therefore, we offer a multitude of products and keep up with insurance laws and regulations so that you don’t have to.  Too often people find themselves with junk insurance, surprise bills or just simply not being covered.  As a result, we are committed to making sure that all of our customers understand what products make sense for them.

 We have been providing health insurance since 2005.  We have local knowledge and will show you all health coverage options available and simplify the application process. Our experienced professionals can help you get the most for your money. We offer:

Affordable Care Act Plans

The Affordable Care Act Plan was passed March 23rd 2010. It provides coverage coverage for Preexisting conditions and also offers subsidies to reduce the monthly premium and out of pocket costs.

The premium subsidy is called The Premium tax credit. It was implemented to help individuals and families with low or moderate income afford health insurance.

The other subsidy is called The Cost Sharing Reduction (CSR). Cost Sharing Subsidies are paid directly from the federal government to the insurer. After all, what good is an insurance policy with a $10,000 deductible if you earn $20,000 per year.

All Affordable Car Act Plans must cover those with pre-existing conditions, even on day one of coverage. All have 10 essential benefits as designated by congress. These benefits are:

          • Outpatient services
          • Emergency services
          • Hospitalization
          • Maternity/newborn care
          • Mental health/substance abuse
          • Prescription drugs
          • Rehab services
          • Lab
          • Preventative/wellness
          • Pediatric services
Medicare Plans

Medicare plans are a hybrid between the government and private plans. The government sponsors part A and B coverage. Private plans offer Supplements, Part C, and Part D plans. If you are eligible for Medicare, it will be critical to get educated on your choices before committing. You have two distinct choices:

          1. Stick with Traditional (Original) Medicare Part A and B. Add a Prescription Drug Plan (Part D). Add a Medicare Supplement.
          2. Purchase Part C coverage (Medicare Advantage).

There are big differences between both, and in some cases, you may never be able to change your choice. We can educate you and help you proceed in the best way possible for your situation.

Short Term Plans

Many companies sell short term plans. These plans have very limited coverage. Pre-existing conditions will not be covered. Drugs will not be covered. Short term plans are meant as a “band aid” to cover between other policies. If you need a policy that does not provide coverage then we need to have a discussion.

Christian Health sharing Plans

Most importantly, Christian Health sharing is not considered insurance.   These plans are based on Christian faith, and as such, you will need to sign a “statement of faith” in most cases. These plans are becoming more popular because they are actually written into the Affordable Care Act and considered legitimate health coverage options. Interestingly, some of these plans eliminate pre-existing condition exclusions after a period of time (unlike short term plans today), and can be a realistic way to count on help to cover health care costs for an unexpected incident. However, since they are not insurance, they are not regulated by the state insurance commissions, so there is an element of financial risk that they can go out of business. In addition, most do not have drug coverage or have drastic limitations. We can help you fully understand the process and what to expect.