AIIT Group Insurance Program

Pearl Health Care Exchange

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The Pearl Health Care Exchange allows Appraisal Institute professionals to shop for competitively priced insurance for themselves and their families.

All plans offered are in compliance with the Affordable Care Act guidelines. To begin, complete the short form under "Enroll Now." Once completed, you can start shopping on the Pearl Health Care Exchange.

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Welcome to the Pearl Health Care Exchange

The Pearl Health Care Exchange is available to AI professionals. You can choose from different coverage levels and benefit choices to find a plan that’s right for you.

Users will login to the secure portal to select from a range of benefit choices at different levels, allowing AI professionals to choose a plan that best fits their budget and health care needs. Four different coverage levels (bronze, silver, gold, or platinum) offer ease in choosing a plan. All coverage comes from leading insurance companies, such as Blue Cross Blue Shield, Humana, Cigna, and Aetna.

Further, all products offered through the Pearl Health Care Exchange meet or exceed the U.S. Government guidelines of Minimum Essential Coverage that U.S. citizens must purchase by December 15, 2017. If residents do not have health care coverage by this deadline, financial penalties will occur, as outlined in the Affordable Care Act Individual Mandate.

The Health Care Exchange is not affiliated with, endorsed, or sponsored by the Appraisal Institute or AIIT. Therefore, any of the health insurance plans offered through the exchange have not been reviewed or approved by the Appraisal Institute or AIIT. The Health Care Exchange is only being offered as a benefit and convenience to AI professionals. It is recommended that AI professionals consult with an insurance specialist of their choosing to discuss and determine the appropriate policies and coverage for their insurance needs.

Frequently Asked Questions

  • What is the Pearl Health Care Exchange?
    The Pearl Health Care Exchange is a private exchange marketplace where Appraisal Institute professionals and employers can shop for competitively priced insurance for themselves and their families.

  • What is the difference between a public and a private exchange?
    A public exchange is set up through the federal or state government, or a combination of both, and will generally only offer healthcare and dental insurance plans. Private exchanges are set up by health insurance companies or brokerage firms, and are not part of the Affordable Care Act. However, all plans offered under the Pearl Health Care Exchange meet or exceed the U.S. Government guidelines of Minimum Essential Coverage that U.S. citizens must purchase by December 15, 2017.

  • What products are offered through the Pearl Health Care Exchange?
    Medical insurance will be the main feature offered through the private exchange. 

  • I have insurance through my employer. Can I still get coverage from the exchange?
    Yes. Anyone can shop the public or private exchanges.

  • What is a subsidy, and do I qualify?
    Subsidies are only offered to lower and middle-income individuals under age 65 who are not eligible for coverage through their employer, Medicaid, or Medicare.

  • Will I be turned down for a pre-existing health condition?
    Most coverage that begins January 1, 2018 or later cannot refuse to cover you or charge you a higher premium based on a pre-existing health condition. This remains true through the public as well as the private health care exchanges.

  • How do I get a quote, and when can I begin the process?
    You can begin the process immediately by simply registering, which will allow you to begin shopping on the marketplace. The earliest plans can be made effective is January 1, 2018.

  • What if I have additional questions?
    We have benefits counselors available to answer your questions after you register and as you shop.

  • Is the private exchange available in all states?
    No, not at this time. Due to complexities and differences in health insurance providers and the public exchange rules in each state, the health insurance products offered through the Pearl Health Care Exchange are not available in Massachusetts, Vermont, Rhode Island, and Hawaii.

Still have questions?

Pearl’s exchange-certified enrollment counselors will be readily available to assist you from the beginning to the end of your coverage. Just call 800.222.9958 and select option 3 anytime Monday through Friday from 8 a.m. to 5 p.m. CST or email exchange@aiinsurancetrust.org.