3 Easy Steps
You can also speak directly with a live representative or complete a telephone application in as little as 15 minutes by calling our tele-express line at 1-888-623-5798.
Using LIA's health insurance website (www.liahealthplans.com) these real estate appraisers can secure comprehensive, competitively priced health insurance in three easy steps:
Assess your situation and find out if you are eligible for subsidies.
Shop for plans ON and OFF the Public Health Insurance Exchanges.
Apply for the health plan of your choice with or without subsidies.
Apply Online
With LIA Health Plans Health Insurance Exchange:
- Shop multiple quality carriers like Blue Cross, Aetna, Assurant, Cigna, Humana and many others.
- Apply online or over the phone.
- No medical questions asked.
- All pre-existing conditions covered.
- Access to Federal and State Marketplaces.
- Look at plans OFF the Exchange and decide what's best.
- Non ACA qualified plans are also available for $1000's a year in savings. (tax penalty may apply)
- Employers can give access to Employees to shop as well and may contribute to their premium but this is not mandatory.
Apply Online
Affordable Care Act (ACA) also known as "Obamacare"
The Affordable Care Act (ACA) imposes the Individual Mandate, which requires you to be covered by Minimum Essential Coverage (MEC) or pay a tax penalty on your federal tax return.
You can fulfill your individual mandated insurance requirements though the LIA Health Insurance Exchange.
Insurance policies that meet the MEC requirement must provide Essential Health Benefits, follow established limits on cost-sharing (like deductibles, co-payments and out-of-pocket maximum amounts), and meet other requirements as required by ACA, including guaranteed coverage regardless of pre-existing conditions and Minimum Loss Ratio (MLR) refund rules.
Unless you're covered by an existing government, military or tribal plan, you must be covered by a MEC plan or pay a tax penalty on your federal tax return. For plan year 2014, the penalty is $95 for an individual, maximum $295 per family or 1% of your income, whichever is greater.
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Working for you every day
Errors & Omissions Insurance is highly-specialized coverage, which is why it's so important to work with a program administrator who has experience & knowledge in this specific area. Our underwriting & sales staff have over 125 years combined experience with LIA, working exclusively with appraisers' E&O insurance.
There are reasons for our well earned reputation.
In 2010 LIA introduced its first health insurance program for appraisers, their families and employees. Since then LIA has helped hundreds of appraisers find coverage for themselves and their families.
Since 1978, more than 25 insurance companies have entered & left the appraisal E&O market. With over three decades and counting in the E&O industry, LIA has a proven track record with the appraisal community. We provide stable programs that our clients have counted on year after year - which is reassuring when you consider the current volatility in the real estate & financial markets. In the event of a claim, our national claims counsel will fight vigorously on your behalf. We are known throughout the industry as the recognized leader when it comes to effectively defending real estate appraisers.
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For 20 years I have not liked paying for E&O Insurance, because I never used it. Now, it has all paid off in the form of your opinion which will keep me out of trouble for the next 20 years. I will continue to recommend LIA as the only provider for professional appraisal E&O Insurance.
How very pleasant to deal with someone who is so efficient, quick, and polite, in an era where those elements are often missing in any business transaction.
Appraiser West Lafayette, IN
Thank you very much for your help. It has been a pleasure working with your company, compared to the other E&O carriers I have had in the past.
Thank You Very Much, this is the kind of response and extra effort that makes your company such a standout!! Thanks Again.
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