Why Choose RF Insurance Masters?
Doctor Network Verification: We verify that your preferred doctors and specialists are covered in the network before you commit to a plan.
Subsidy Assistance: We help determine if you qualify for subsidies and assist you in finding plans that maximize your benefits.
Educational Approach: We take the time to ensure you understand your coverage options, including deductibles, copays, and maximum out-of-pocket expenses.
Our Services Are Always FREE
There is no extra cost to work with RF Insurance Masters. As licensed insurance brokers, we're paid by the insurance companies, not by you. You'll pay the same premium whether you purchase directly from the carrier or through us—but with us, you get personalized guidance and ongoing support at no additional charge.
Our Personalized Process
Initial Consultation & Needs Assessment: We start by listening to your healthcare needs, budget constraints, and preferences. Whether you're looking for individual coverage or a family plan, we take the time to understand your unique situation.
Doctor & Network Verification: We check if your preferred doctors, specialists, and hospitals are in-network for the plans we're considering, ensuring continuity of care with healthcare providers you trust.
Subsidy Eligibility Check: We determine if you qualify for premium tax credits or cost-sharing reductions, and show you options both with and without subsidies to help you make an informed decision.
Plan Comparison & Education: We walk you through different plan options, explaining the details of deductibles, copays, coinsurance, and maximum out-of-pocket expenses in clear, understandable terms.
Enrollment Assistance: Once you've selected a plan, we guide you through the enrollment process, ensuring all information is accurate and complete for a smooth transition to your new coverage.
Short Term Medical Coverage Section
Bridge the Gap in Your Coverage.
Short Term Medical plans provide temporary health insurance coverage for up to 4 months, helping you navigate life's transitions without risking your financial health.
Quick approval and activation – often within 24 hours.
Flexible coverage periods from 30 days to 4 months.
Lower premiums than many traditional health plans.
Coverage for doctor visits, hospitalization, and emergency care.
Perfect For These Situations:
Between Jobs: Recently left a job and waiting for new employer benefits to begin? Short term coverage bridges the gap.
Newly Graduated: Just graduated and no longer on your parents' plan? Short term coverage provides protection until you secure employment benefits.
Waiting for Medicare: Retired early and waiting for Medicare eligibility? Short term coverage can fill the gap until you turn 65.
Missing Open Enrollment: Missed the ACA open enrollment period? Short term coverage provides protection until the next enrollment opportunity.
Understanding Your Coverage
Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself before insurance begins to cover costs.
Copay: A fixed amount you pay for a covered health care service, usually when you receive the service. For example, you might pay $25 for a doctor visit or $15 for a prescription.
Coinsurance: Your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service. For example, if the plan's allowed amount for a service is $100 and your coinsurance is 20%, you pay $20.
Maximum Out-of-Pocket: The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits for the remainder of the plan year.
Premium Subsidies: Government assistance that helps eligible individuals and families reduce their monthly premium payments for health insurance purchased through the Marketplace. Eligibility is based on income and household size.
Understanding how deductibles, copays, coinsurance, and out-of-pocket maximums work together to determine your total healthcare costs.
Individual Coverage Options
Ready to Find the Right Health Insurance for Your Family?
Our dedicated team is here to guide you through every step of the process.