YOUR HEALTH, OUR PRIORITY. PROTECTING YOUR WELL BEING EVERY STEP OF THE WAY.
Reliable, Affordable Health Insurance. Leave Your Worries to Us
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Why Choose American Care United?
Low, Predictable Premiums
Insurance might cost you less than you think. Coverage shouldn't make a hole in your budget.
Comprehensive Policies
Only pay for what you need. Our policies are tailored to fit your specific needs.
No Delays
Use your benefits right away following approval. Take advantage of your coverage with click.
You Are Never Alone
Because you experience unique moments, we support you in all situations.
Our health insurance plans are designed to ensure that individuals and families have access to essential medical services, preventive care, and financial security in times of health crises. We understand that navigating healthcare can be complex, which is why we offer personalized support and a range of options that cater to various budgets and coverage requirements.
Our Services
Vision Insurance
Comprehensive coverage for eye exams, glasses, and contact lenses, ensuring your vision health is prioritized and affordable.
Health Insurance
Robust plans covering medical services, hospital stays, and medications, safeguarding your overall health and financial well-being.
Dental Insurance
Access to preventive care, routine check-ups, and emergency dental services, promoting oral health and reducing unexpected expenses.
Frequently Asked Questions
What is the difference between health insurance and life insurance?
Health insurance and life insurance serve different purposes and cover different types of risks.
Health insurance is designed to cover medical expenses incurred by the insured. This includes costs related to doctor visits, hospital stays, surgeries, preventive care, and prescription medications.
On the other hand, life insurance provides financial protection for your beneficiaries in the event of your death. It pays out a predetermined sum of money (the death benefit) to your designated beneficiaries upon your passing.
How do I determine how much insurance I need?
Evaluate Your Financial Obligations: Start by listing all outstanding debts such as mortgages, car loans, credit card debt, and any other liabilities that would need to be paid off.
Consider Future Expenses: Think about future expenses that may arise after your death. This could include college tuition for children or ongoing living expenses for your spouse or dependents.
Assess Income Replacement Needs: Calculate how much income you would need to replace if you were no longer there to provide for your family. A common rule is to multiply your annual salary by a factor ranging from 5 to 10 years depending on individual circumstances.
Account for Existing Savings and Assets: Consider any savings accounts, investments, or existing life insurance policies that could contribute towards covering these obligations.
What factors influence my insurance premium?
Age: Generally, older individuals tend to have higher premiums because they are more likely to require medical care compared to younger individuals.
Location: Premiums can vary significantly based on where you live due to differences in healthcare costs in different regions as well as state regulations affecting insurers.
Tobacco Use: Smokers typically face higher premiums than non-smokers due to increased health risks associated with tobacco use.
Plan Type: The type of plan you choose can also influence costs due to differences in provider networks and coverage options.
Coverage Level: Plans with lower deductibles or broader coverage will generally have higher premiums compared to those with higher deductibles or limited benefits.
Health Status: Insurers may consider pre-existing conditions when determining rates; however, under the Affordable Care Act (ACA), insurers cannot deny coverage based on health status but may still charge higher premiums based on age or tobacco use.
Get a Quote
Answer our questionnaire to obtain a quote for your coverage.
Need Advice?
An agent will call you back to discuss the options most adapted to your need.
Testimonials
Don’t take our word for it, hear what our happy clients have to say
I can’t express how relieved I am after choosing to work with this insurance company for my health insurance needs. From the very first consultation, I felt like I was in good hands. The agents took the time to understand my family’s unique situation and helped me find a policy that not only fits my budget but also provides comprehensive coverage for my loved ones.
Bryan M.
As someone who has always been cautious about health insurance, I was initially overwhelmed by the choices available. However, after connecting with this insurance agency, I immediately understood my options. Their team was incredibly knowledgeable and took the time to explain all the different plans available to me.
Lea D.
Are you ready to protect yourself and your loved ones?