Annual Open Enrollment Dates

Nov. 1st – DEC 15th*

Per healthcare reform laws, to enroll for health insurance outside of the open enrollment period you will need a qualifying event to be eligible.

Instant Quote and Enroll

True Choice Benefits LLC offers a variety of individual and family major medical health insurance plans from some of the best carriers in the nation.

 Click to get quotes and compare plan details from the leading health plan carriers.

Insurance 101 – Learn more about the types of Individual and Family Major Medical Plans available through our carriers.

A Health Maintenance Organization or HMO health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

A Preferred Provider Organization or PPO health plan will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and, most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Catastrophic Plans are great for those healthy individuals who do not expect to need medical care throughout the year, other than routine preventative care (generally available for under age 30). Note catastrophic plans may or may not contain the essential benefits required by the ACA to avoid penalty.

Important Disclaimers:
Benefits: Any benefit information provided on our website is a brief summary, not a comprehensive description of benefits, and may contain inaccuracies. For more information contact the plan administrator or carrier directly. Limitations, copayments, and restrictions may apply, depending on the plan.
Contact Forms: By providing information via our contact forms or quote request forms, you agree that an authorized representative or licensed insurance broker of True Choice Benefits LLC may contact you by telephone, email, or mail to answer your questions or to provide additional information.
Agents: True Choice Benefits LLC is a fully licensed insurance agent/agency authorized to market health, life and Medicare Supplement insurance plans. This is a solicitation for insurance. You have no guaranteed issue or other benefits. Offerings of insurance are made by carriers/insurers based only on submitted applications. True Choice Benefits LLC is an independent insurance brokerage and is not an insurance carrier/insurer.