Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.
There are several different types of individual and small group insurance plans. You can choose a POS, HMO or PPO plan; but you should know the differences in coverage before making any purchase decision.
We provide numerous options for health insurance coverage, including the popular PPO plans. A PPO (Preferred Provider Organization) offers you the freedom to see any in-network doctor without referrals. Individuals often find that a health insurance PPO offers the freedom and flexibility they need with minimal hassle. Because we offer so many high quality options, it’s easy to find a plan that has the network, coverage, and service you want and expect.
We also provide multiple options for health insurance coverage with the HMO plans. Health Maintenance Organizations offer a great network of providers. The HMO generally provide lower monthly premiums. Your HMO primary care physician monitors your care and provides referrals when medically necessary.
A Point of Service plan is a combination of both a PPO and HMO. Like an HMO you will designate an in- network primary care physician for regular visits, however you can also go out of network for services without a referral. This is a great plan for clients who take extended trips or reside in another state for part of the year.
A high-deductible health insurance plan with a health savings account (HSA) can save you hundreds on health insurance premiums. It also enables you to set aside tax-free money to pay for your medical care. Your contributions remain in your HSA account from year to year until you use them, and any interest or other earnings are also tax-free.
Policies differ widely on coverage and cost. Cost should not be your only consideration when buying health insurance. We will review and compare your personal needs and affordability including helping you determine if you should be in a marketplace plan if may be eligible for a subsidy based on your adjusted gross income.
Because situations change, it is important to review your health insurance regularly with us. Many of our long-time clients are self-employed individuals, small business owners, and families. We offer high quality, insurance policies that we stand behind and believe in.
There is no additional cost to utilize our office for help with navigating the system of the marketplace, review plan options and complete enrollments. We know you’ll be impressed with our knowledge, experience, and ability to tailor a plan that works for you and your budget. We look forward to serving you!