Information That Offers Helpful Guidance For You

At Salvione Associates LLC, we understand that navigating the world of healthcare can be challenging. We're here to help you become educated about your healthcare options and feel confident in your decisions.

We advise by educating on the best options for your unique situations. Explore the resources below to find answers to common questions and gain a better understanding of your healthcare needs.

Frequently asked questions

Below are some of the most common questions and concerns we address at Salvione Associates. Our goal is to provide you with the information you need to make informed choices about your health insurance and overall well-being. If you have any further questions, please don't hesitate to contact us. Click on the links below.

Healthcare Coverage

Understanding your healthcare coverage is essential. We offer guidance to help you know the details of your current plan and compare what "might" be better with other plans, including what's covered, what's not, and how to maximize your benefits.

Remember, insurance companies modify their plans every year, so reviewing your plan annually or when you have a life change can affect your coverage. 

Doctor Plan Acceptance

It's important to know if your preferred doctor accepts your insurance plan. We can assist you in verifying whether your doctor is in-network and understanding the implications of seeing an out-of-network provider.

Doctors can drop your current plan if the insurance company wasn't able to negotiate financial terms that meet their financial criteria. Click the link below to make sure your doctors still accept your plan. 

Medication Check

Ensuring that your prescription medications are covered under your plan is crucial. Reviewing your current plan formulary will inform you what tier level your medications are currently. We can help you analyze your drug coverage and explore options if your medications are not covered or are too expensive. Remember, Insurance companies have the right to change the tier level of your medications. Most brand-name drugs are currently subject to a deductible. Let's make sure you won't have any surprises. 

Don't forget to use GoodRx, WellRx, and Single Care.

How can I learn more about in-home care planning as I age?

At Salvione Associates, we are more than just health insurance; we are a life planning company that can help plan for future unforeseen events.

What if I can't afford to pay for Health Insurance?

If someone cannot afford healthcare, several federal, state, and community-based options 

are available depending on your income, age, and situation.

Here’s a breakdown of options to investigate.

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🏥 1. Medicaid

  • What it is: A joint federal and state program that provides free or low-cost health coverage to low-income individuals and families.
  • Who qualifies: Eligibility is based on income, household size, and sometimes disability or pregnancy status.
  • How to apply: Through your state’s Medicaid agency or at HealthCare.gov

🧒 2. Children’s Health Insurance Program (CHIP)

  • What it is: Low-cost or free health coverage for children in families that earn too much for Medicaid but cannot afford private insurance.

  • Who qualifies: Children (and sometimes pregnant women), based on family income.

  • How to apply: Through your state’s CHIP program or HealthCare.gov

💸 3. Marketplace Subsidies (Affordable Care Act)

  • What it is: Premium tax credits and cost-sharing reductions that lower monthly premiums and out-of-pocket costs for qualified individuals.

  • Who qualifies: Based on household income (usually between 100%–400% of the federal poverty level).

  • How to apply: Through the federal or state Health Insurance Marketplace at HealthCare.gov

🏛️ 4. Medicare Savings Programs

  • What it is: Programs that help people with limited income and resources pay for Medicare premiums, deductibles, and co-pays.

  • Who qualifies: Low-income seniors and people with disabilities enrolled in Medicare.

  • How to apply: Through your state’s Medicaid office.

🏘️ 5. Community Health Centers

  • What they offer: Comprehensive primary care, dental, and mental health services on a sliding fee scale based on income.

  • Who qualifies: Anyone — uninsured, underinsured, or low-income individuals.

  • How to find one: Visit Find a Health Center

🩺 6. Local Charity Care and Hospital Financial Assistance

  • What it is: Many hospitals and nonprofit health systems offer charity care programs or financial assistance that reduce or eliminate medical bills for low-income patients.

  • How to apply: Contact your hospital’s billing or financial assistance office.

💊 7. Prescription Assistance Programs

💼 8. Employer and Community-Based Resources

  • Options may include:

    • Health coverage through a husband's or wife's plan

    • Local health departments offering free or low-cost clinics

    • Faith-based organizations providing free medical outreach programs