Frequently Asked Questions
Common questions regarding private PPO health coverage for teachers.
Q: How are these plans different from ACA state exchange plans?
Private market PPO plans are underwritten health options that offer nationwide PPO doctor network access without referral requirements. For healthy self-employed educators, they provide up to 47% monthly premium savings compared to unsubsidized exchange plans.
Q: Are my health insurance premiums tax deductible?
Yes. Self-employed educators, private tutors, and 1099 educational consultants can deduct 100% of their health insurance premiums directly on Schedule 1 of Form 1040.
Q: Can I keep my current primary care doctor and specialists?
Our private PPO plans utilize broad national networks like MultiPlan, PHCS, and First Health. You can use our Doctor Directory Lookup tool on the homepage or call an agent to verify your physician's NPI.
Q: What does the $2,500 hospital only deductible cap mean?
In our coverage breakdowns, the $2,500 hospital only deductible cap protects you against unexpected major hospital stays, keeping major medical out-of-pocket costs predictable.
Have a specific question?
Our licensed PPO specialists are available Monday–Saturday 8am–10pm EST.
Speak with an Agent: 1-855-469-1883