What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)

  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn’t in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)

  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.

High Deductible Health Plan (HDHP)

  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health Insurance Plan

  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of “safety net” coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.

Health Insurance

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

View key features of the Affordable Care Act or read a year-by-year overview of features.

We provide assistance finding the right health insurance coverage for you and your family under the Affordable Care Act.

Coverage

We’re commited to keeping health insurance rates as low as possible through disciplined underwriting. Our insurance policies further reduces your health insurance premium by offering numerous discounts:

Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.

Keeps Young Adults Covered: If you are under 26,
you may be eligible to be covered under your parent’s health plan.

Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.

Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.

Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.

Helps You Get the Most from Your Premium Dollars Your premium dollars must be spent primarily on health care – not administrative costs.

Care

Covers Preventative Care at No Cost to You:
You may be eligible for recommended preventative health services. No copayment.

Protects Your Choice of Doctors:
Choose the primary care doctor you want from your plan’s network.

Removes Insurance Company Barriers to Emergency Services You can seek emergency care at a hospital outside of your health plan’s network.

More Information

  • Read the Full Law
  • Find technical and regulatory information on the Patient’s Bill of Rights

Find the right plan for your family

Talk to us today about health insurance.

Contact us today

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