Richmond company helps navigate health insurance questions

RICHMOND, VA (WWBT) - A Richmond company helps save the newly insured time, money and headaches.

For those who've never purchased a health insurance policy, the process can be confusing and downright expensive and the Affordable Care Act mandates most of the uninsured to find coverage.

Marcee Blakeney just aged out of her parents healthcare plan and for the first time ever, she is responsible for her own coverage. Marcee navigated, but was uneasy with all the new terminology. Deductibles, premiums, copays and out of pocket costs can confuse someone who's never dealt with insurance..

"You don't feel confident when you're not sure what you're about to step into and pay for each month," explains Blakeney, who spent hours on the phone talking to insurance companies and still felt uncomfortable with the choices she was given. "It became a pretty tedious and long process."

A friend told her about, founded by David Blanchard. He used to work for an insurance company. When the Affordable Care Act passed, he knew the uninsured were going to need help.

"I saw a lot of people try to find insurance under the new law and struggled with ways of comparing their plans and finding the best value," Blanchard said.

His unique analysis software simplifies the process. Enter your zip code, info on who needs coverage and a few other personal details and you'll get all the  available plans laid out so you can compare the total cost of the policies, not just the deductibles.

"[It] ensures they are getting potential subsidy, the best price, the best lowest total cost and also get them enrolled," he said.

Blanchard explained the lingo to Blakeney, crunched her numbers and found a plan that fit her needs and her budget.

"And it was all free, free for him to help me and basically do everything on my behalf," she said.

Staff from help policy seekers by phone, online and in person for free.

Copyright 2014 WWBT NBC12. All rights reserved