Health Protection You Can Count On
Affordable, reliable, and personalized health coverage for you and your loved ones.
families insured through Allied Health
We Put Your Health First
Coverage that protects you nationwide—simple, flexible, and customer-focused.
At Pivotal Concepts Inc, DBA Allied Health Agency, we prioritize making your health coverage experience clear and stress-free. We bring years of experience and dedication to serving you. We’re here to simplify the process and make health insurance something you can easily rely on.
Simple plans
Straightforward coverage options designed for real people
Clear choices
Easy-to-understand options without the insurance jargon
Peace of mind
Reliable protection when you need it most
Find the Perfect Plan for You
Simple, flexible, and affordable coverage—because your health matters
Affordable Marketplace Plan
(For low income individuals and families with federal subsidy)
1. Free Preventive Care
2. Maternity Coverage
3. Prescription Copay
4. Major Medical hospitalization
Brightpath Health Plan
(For healthy individuals looking for flexible health coverage)
1. Unlimited Virtual doctor visits
2. Prescription savings
3. Dental,Vision and wellness coverage
4. Funeral concierge with optional Life insurance
Premium Health Plan
(For Medical, surgical and hospital coverage for individuals and families)
1. $0 Copay and Deductible
2. PPO coverage
3. Effective 48Hrs
4. Sickness and Accidental coverage
It's Easier Than You Think
We’ve made getting health coverage easier than ever.
Get Your Quote
Get your personalized quote in seconds
Select Your Plan
Choose the coverage that works for you
Sign Up
Enroll online, in minutes
Start Your Coverage
Your health insurance starts quickly, within 48 hours
Real stories from real people
Hear from our happy customers
Everything You Need to Know
Get the most out of your health plan with our resources.
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DSOA’s appeal lies in its efficient setup services. The free zone boasts a rapid business licensing process, with the entire application taking a mere seven days.
Unlocking Business Potential in Dubai Silicon Oasis
DSOA’s appeal lies in its efficient setup services. The free zone boasts a rapid business licensing process, with the entire application taking a mere seven days.
Unlocking Business Potential in Dubai Silicon Oasis
DSOA’s appeal lies in its efficient setup services. The free zone boasts a rapid business licensing process, with the entire application taking a mere seven days.
Frequently Asked Questions
What is health insurance, and why do I need it?
Health insurance is a contract that covers medical expenses such as doctor visits, hospital stays, prescriptions, and preventive care by the Insurer. It protects you from high healthcare costs and provides financial security and access to quality care. Being insured helps you stay healthy and avoid overwhelming medical bills.
What types of health insurance plans are available?
Standard options include short-term coverage, employer-sponsored plans, ACA Marketplace plans, Medicare, and Medicaid. Each option differs in eligibility, benefits, and affordability. Understanding your healthcare needs and budget helps you choose the right health insurance plan.
What’s the difference between HMO, PPO, EPO, and HDHP plans?
- HMO (Health Maintenance Organization): Requires referrals and in-network providers; lower premiums.
- PPO (Preferred Provider Organization): Offers out-of-network coverage with higher premiums.
- EPO (Exclusive Provider Organization): In-network only, no referrals needed.
- HDHP (High Deductible Health Plan): Low premiums, high deductibles, HSA-eligible.
Choose based on how much flexibility and cost control you want in your plan.
How do premiums, deductibles, copays, coinsurance, and out-of-pocket maximums work?
- Premium: Monthly fee to maintain your plan.
- Deductible: The Amount you pay before insurance coverage starts.
- Copay/Coinsurance: A fixed amount you pay for a covered health care service.
- Out-of-pocket maximum: Caps how much you pay annually; insurance pays 100% after that.
What affects the cost of health insurance?
Costs depend on age, location, plan type, and coverage level (Bronze, Silver, Gold, Platinum). Use our free quote tool to get accurate cost estimates based on your household.
Can I get help paying for health insurance?
Yes, many individuals qualify for premium tax credits or cost-sharing reductions through the ACA Marketplace. These are based on your income and household size. Use our subsidy calculator to estimate your savings and find affordable plans.
What’s a provider network, and how do I know if my doctor is in-network?
A provider network is a group of doctors, hospitals, and specialists that work with your insurance company for negotiated rates. Using in-network providers keeps your costs lower. Speak to the agent or call your provider to verify network status before receiving care.
Will my prescriptions be covered by my insurance plan?
Health plans offer a formulary, or a list of covered drugs categorized by cost tier. Check the formulary to see if your medications are included, and whats your copay or coinsurance will be. This ensures you know your prescription coverage and cost upfront.
Does health insurance cover me out-of-state or when traveling?
Emergency care is typically covered nationwide under federal law. However, non-emergency services may not be covered outside your plan’s network. Check your plan’s travel and out-of-network coverage before departure.
Can I keep my current doctor with a new insurance plan?
You can keep your doctor if they’re in-network with the plan you choose. Always verify provider networks before enrolling. Our licensed agents can help you find a plan that includes your current providers.
