CHOOSING THE MOST APPROPRIATE FOR YOU AND YOUR FAMILY 
Choosing a health plan can be complicated. There is a great deal to know. There are many things to consider. Please contact us to help you navigate this maze of information. Why Do You Need Health Insurance? Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be awfully expensive. You cannot predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be remarkably high. If you have insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company, or, in some cases, it can be your employer. Types of Insurance:
- Fee-for-Service (Indemnity Plan)
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Point-of-Service (POS)
- Self-Funded
- Accident
- Hospital Indemnity Coverage
- Critical Illness
- Short Term Disability
- Long Term Disability
- Long Term Care
Where Do People Get Health Insurance Coverage:
Group Insurance ~ Individual Insurance ~ Medicare ~ Medicaid |
