Are You & Your 
Loved Ones Insured?

The State of NJ, OH, PA, VA, & SC and the federal government are now providing new and expanded financial help to eligible consumers who purchase plans. Pathways Insurance Agency is here to help you!

The federal government recently passed a COVID-19 relief bill, the American Rescue Plan Act of 2021, which was signed into law by President Biden on March 11, 2021. You may be able to get more savings and lower costs on Marketplace health insurance coverage due to the American Rescue Plan Act of 2021. Under the new law:

  • More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past.
  • Most people currently enrolled in a Marketplace plan may qualify for more tax credits.
  • Health insurance premiums after these new savings will go down.

How to find out if you qualify for Marketplace savings

When you apply for Marketplace coverage, you’ll find out if you qualify for a premium tax credit that lowers your monthly premium. The amount of your premium tax credit depends on the estimated household income for 2022 that you put on your Marketplace application. Find out if your estimated 2022 income is in the range to qualify for a premium tax credit.


Enroll or change plans with the 2022 Special Enrollment Period through August 15

You have through August 15 to enroll in or change your Health Insurance Marketplace® plan due to the coronavirus disease 2019 (COVID-19) emergency.


Changing plans — the deductible may reset

You can change Marketplace health coverage during the 2022 Special Enrollment Period through August 15.

But, it’s important to consider the new plan’s deductible — it’ll likely start over. If you change plans or add a new household member, any out-of-pocket costs you already paid on your current 2022 Marketplace plan probably won’t count towards your new deductible, even if you stay with the same insurance company.

Call your insurance company before changing plans or adding a new household member to find out if you’ll need to start over to meet your new plan’s deductible. If you have already paid a lot in out-of-pocket costs toward your deductible, check with your insurance company to see how it might impact you and what options are available to keep credit toward what you’ve already paid.


If your state doesn’t use

Visit your State Marketplace website or contact their Call Center for more information about when these additional savings will be available through your Marketplace.

Not sure which website your state uses? Select your state to find out.


Cancer and Heart Attack or Stroke Plus

By purchasing a Cancer and Heart Attack or Stroke Plus insurance policy, you can protect you and your family. It can pays a monthly or lump sum benefit upon diagnosis of cancer and heart attack or stroke to help with out-of-pocket expenses during treatment and recovery. Talk to one of our insurance consultants here at Pathways Insurance Agency about a quote today!

• May allow for more freedom in treating an illness without worrying about expenses 
• Peace of mind protection 
• Helps to pay for out-of-pocket costs for medical expenses • Protects savings 
• Can offset the cost of deductibles, co-pays, and unexpected expenses not covered by other insurance plans • Paid in addition to any other health care coverage 
• Benefits paid directly to the policyholder or a designated medical provider 
• Choice of insurance plan options and coverage for issue ages 18 – 89

Interested in 
Long-Term Care (LTC)?

What is LTC? What does it include?

Long-Term Care describes an array of services that are available to people with prolonged illnesses, disabilities or cognitive disorders. LTC services include health, medical, personal care, and social services, as described below.

What does LTC include?

  • Assistance with activities of daily living (ADL's) such as eating, bathing, dressing, toileting, transferring, and continence.
  • Around-the-clock skilled nursing care for those with prolonged physical illness, disability, or cognitive disorders, such as Alzheimer's.
  • Custodial care in an Assisted Living Facility.
  • Homemaker care, Adult Day care, Hospice care, Respite care.
  • Personal care for basic instrumental activities of daily living (IADL's), such as cooking, cleaning, laundry, or bill paying.

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Contact Us

Pathways Insurance Agency
707 Alexander Rd, Bldg 2 Suite 208
Princeton, NJ 08540

Office: (609) 337-4411
Direct/Cell: (908) 285 5946


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