CONTACT US

 ​​Asheville Insurance Office

P.O. Box 1568, Fletcher, NC 28732

Phone: 828-318-8762 

Sky's The Limit
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P.O Box 1568
Fletcher, NC 28732
(828) 318-8762 Local
1(866)398-1902 Fax

site by Web Star

HEALTH

INSURANCE

COVERAGE

Sky's the Limit, LLC can consult on any and all health insurance plans, problems, and strategies. Our team of health insurance experts can explain and evaluate existing health insurance policies, as well as assist new businesses and professionals making a job change to make the right decisions about new health care policies and plans.  

Sky's the Limit has experience working with individuals, self-employed workers, and employer groups. We help clients navigate the confusing and ever-changing world of health insurance to ensure they get the best coverage for the best possible price. As Asheville based health insurance agents, we serve all of North Carolina. Come to us for:

GROUP HEALTH INSURANCE

Group health insurance plans and employee benefit programs play a key role in hiring and retaining quality employees.  

At Sky’s The Limit, we understand the importance of these employee benefits based on numerous years of experience working with small business employers.  We work with our clients to understand their objectives while meeting the needs of their employees. 

Contact us today to set up an appointment to discuss all the options for your employee benefits portfolio, regardless of the company size.  After we find out more about your basic needs, we will shop the marketplace and compile several options from highly rated health insurance carriers for your review. 

We minimize your dealings with insurance companies while providing one-on-one attention to you and your employees, giving you more time to make your company a success!

INDIVIDUAL HEALTH INSURANCE

Living your life to its full potential is your business; however ensuring our clients have access to affordable health coverage is our responsibility!

Find the Right Health Insurance Plan for You or Your Family

Sky's The Limit offers you a variety of affordable individual health insurance plans that are right for your needs and budget.  Buying personal health insurance can be confusing with the many plans and options available.  We help makes this cumbersome process easy to understand, while allowing you to choose the most affordable plan to fit your needs. 

We offer the resources, programs and one-on-one attention you deserve.  We provide you with “service after the sale” to minimize your time dealing with impersonal insurance companies.

In North Carolina, there is only one insurance carrier to obtain an ACA compliant individual policy.  This carrier is currently BCBS of NC.

 

The Affordable Care Act only allows a person to obtain individual health insurance at Open Enrollment, which is November 1st and January 31st, every year.  In order to receive individual health insurance outside these dates, a person has to have a “qualified life experience” to enroll in a Special Enrollment Period (SEP). Sky’s the Limit charges a onetime $100 administrative fee to sell any individual policies during Special Enrollment Period.

You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days OR expects to lose coverage in the next 60 days.

Coverage losses that may qualify you for a Special Enrollment Period:

  • Losing job-based coverage

  • Losing COBRA coverage

  • Losing individual health coverage for a plan or policy you bought yourself

  • Losing eligibility for Medicaid or CHIP

  • Losing eligibility for Medicare

  • Losing coverage through a family member

Changes in household size

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

  • Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.

  • Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.

  • Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.

  • Death. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.

Changes in residence

Household moves that qualify you for a Special Enrollment Period:

  • Moving to a new home in a new ZIP code or county

  • Moving to the U.S. from a foreign country or United States territory

  • A student moving to or from the place they attend school

  • A seasonal worker moving to or from the place they both live and work

  • Moving to or from a shelter or other transitional housing

Note: Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for an SEP.

Important: You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don’t need to provide proof if you’re moving from a foreign country or United States territory.

MEDICARE SUPPLEMENTS

Medicare Supplements can quite often be confusing and overwhelming for seniors and disabled citizens to grasp.  At Sky’s The Limit, we take the time to explain all of the components of Medicare to be sure the coverage you purchase fits your needs, budget, and preference.

We'll Help You Navigate the World of Medicare Supplements

Our goal is to efficiently educate our Medicare clients and offer “no pressure” quotes from “A” rated insurance carriers.  We provide personal service throughout the year to alleviate any Medicare related issue that arises.  Click the button below to log in and get a quote for Medicare Supplements with Humana.

LIFE INSURANCE

Sky’s The Limit provides Individual life quotes, free of charge.  Everyone’s need for life insurance is different, but we aim to explain which policies are the most appropriate for your financial and family structure.  Most of the time, the only life insurance people obtain is from their employer; however, these policies terminate once they leave their employer.  The best time to get life insurance is when a person is “young and healthy”.  As the old adage says, “An insurance company doesn’t like to insure a burning house!”   

Give Sky’s The Limit a call today and get a free life insurance quote.  We utilize all A+ rated companies to secure quotes and issue life insurance policies.