Disclosures

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MiaNova Health may receive compensation from insurance carriers or program administrators if you enroll in a plan through our agency. Compensation varies by plan and carrier but does not change the price you pay for coverage. We do not charge fees simply to review options or provide guidance unless disclosed in advance.

Requesting information, receiving plan comparisons, or speaking with a licensed consultant does not obligate you to enroll in any plan.

Health coverage options vary by plan type and are not all the same. Important distinctions include:

• ACA Marketplace & Off-Marketplace Plans
  These plans are regulated health insurance policies and generally include essential health benefits and consumer protections. Enrollment is typically limited to Open Enrollment or Special Enrollment Periods.
   
• Healthshare Programs
  Healthshare programs are not insurance. They are membership-based programs that facilitate the sharing of eligible medical expenses among members according to program guidelines. Coverage, eligibility, pre-existing condition rules, and reimbursement are not guaranteed and vary by program.
   
• Supplemental Coverage
  Supplemental plans (such as dental, vision, accident, critical illness, or hospital indemnity) are not substitutes for major medical insurance and are designed to complement primary coverage.

All plans have limitations, exclusions, and eligibility requirements. Benefits, provider access, cost-sharing, and enrollment rules vary by plan and location. MiaNova Health does not guarantee coverage approval or claims payment.

Not all plans are available year-round. Enrollment timing depends on the type of plan, your eligibility, and applicable federal or state rules.

Information provided by MiaNova Health is for educational purposes only and should not be considered legal or tax advice. For tax or legal questions, please consult a qualified professional.