Health Insurance

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Health insurance is a way to pay for health care.  It protects you from paying the full costs of medical services when you’re injured or sick. Just like car insurance or home insurance, you choose a plan and agree to pay a certain rate, or premium, each month. In return, your health insurer agrees to pay a portion of your covered medical costs. Payments by your health insurance are typically based on discounts they negotiate with doctors and hospitals.
What are the types of health insurance?
There are various types of health insurance for single coverage or your family under the age of 65 (during open enrollment unless you quality for a special election period).  Medical health insurance may be attained for you and your family through a private insurer, through an employer, or through the Government, also known as public health insurance.
For seniors (65 or older) or someone who is disabled under the age of 65 who has Medicare Part A and B, we offer Medicare supplement plans, Medicare advantage plans and drug prescriptions plans.
Other types of health insurance may cover more than just medical services, and you may need to purchase additional insurance plans to cover all of your needs. Those may include:
  • Prescription drugs
  • Vision
  • Dental
  • Travel
  • Life
  • Disability


 
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Types of health plans

Each health plan is different, but you can usually find a plan to cover preventive care, like doctor visits and screenings, as well as hospital visits, ER trips, and even prescription drugs. The different types of health plans include:
  • Health Maintenance Organization (HMO)
  • Point-of-Service (POS)
  • Preferred Provider Organization (PPO)
  • Fee For Service (FFS)
Some plans cover vision and dental, but you may need to purchase these plans separately.
What does health insurance cover?

Although the Affordable Care Act requires certain health benefits be covered in all health plans, every health insurance company is unique in what coverage they provide and how much those covered benefits cost.

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