What kinds of health insurance are there?
There are essentially two kinds of health insurance; Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
Fee-for-Service.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Managed Care.
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
How do I pick a health plan?
If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.
We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.
Can I save premium without giving up comprehensive coverage?
Yes, if you qualify. Our office can provide customized health insurance packages. If you let us know what your specific situation and needs are, we can tailor a package that could lower your premium without sacrificing comprehensive benefits. "Ask Us how"
What is a Health Insurance Package?
When we use multiple insurance carriers together to provide quality coverage at affordable prices, this is called a Health Insurance Package. The primary purpose is to fill in the gaps, pay deductibles and coinsurance, etc. This is usually done with higher deductible major medical plans. Packaging is a much better option than purchasing high cost, low deductible health coverage.
