A Buyer’s Guide

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Step One

Understand What’s Most Important to You

Benefits

What kind of benefits are you looking for?

Healthcare Usage

Are you going to the doctor a lot?

Risk Profile

Looking for safety net? Protection in case of accidents or emergency?

Prescription Drugs

Do you need Rx drug card and copay benefits?

Budget

What is your monthly cost target? How much out-of-pocket?

Length Of coverage

How long would you want coverage for?

Step Two

Choose a Plan Type You Are Interested In

Choose between Economy, Choice, Standard, and Deluxe plans by reading the below descriptions and consulting our brochure.

More coverage (lower potential out-of-pocket costs)

Economy
Choice
Standard
Deluxe

Lower monthly premiums

Economy Plans

Economy plans are the most economical health care option for someone on a budget.

They are for healthy individuals who don’t plan to use their insurance benefits very often but want financial protection, just in case.

Choice Plans

Cost-effective coverage w/ doctor & Urgent Care copay benefits.

Choice plans generally work well for someone who is healthy but might see the doctor once or twice a year.

Standard Plans

Standard plans are good for those looking for the highest level of maximum lifetime coverage.

Standard plans offer prescription drug benefits and help those individuals with higher monthly drug costs.

Deluxe Plans

Deluxe plans offer the most comprehensive coverage with low deductibles and prescription drug benefits

For those who might see a doctor frequently and take multiple medications, a Deluxe plan gives you lower out-of-pocket costs compared to other plans.

Step Three

Choose a specific plan

Great, take a look at which of these plans fit you best, and then check out the brochure. 
Next, you can browse available plans by sorting your plan results by the plan type you chose in Step 2. You can choose specific plans to compare and then choose the one that fit your needs and budget by adjusting deductibles, max coverage limits, coinsurance, and thus monthly premium (your cost).

Step Four

Check Eligibility And Enroll

Eligibility
Enrollment
Complete
Purchase

Return to your shopping cart to check your eligibility for this plan type, and go over exclusions. Fill out your application (quick and straightforward) and get covered for starting as early as the next day!

When you’re ready to enroll, you can continue the application, get online chat support, call in.

Get Started!
Start by Adding Your ZIP Code

Morgan
Agents are available from Monday - Thursday, 8:00 AM - 8:00 PM ET and Friday from 8:00 AM - 6:00 PM ET.