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Health Insurance

Health Insurance Information

We are devoted to assisting you in obtaining the very best in health insurance with the most benefits and options.

What kinds of health insurance are there?

There are essentially two kinds of heath 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.

  1. 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.
  2. Managed Care
    More than half of all Americans have some kind of managed-care plan1. 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.

Here are some questions you should ask yourself when choosing a health insurance plan:

  • How affordable is the cost of care?
  • What is the monthly premium I will have to pay?
  • Should I try to insure most of my medical expenses or just the large ones?
  • What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
  • After I’ve met my deductible, what percentage of my medical expenses are reimbursed?
  • How much less am I reimbursed if I use doctors outside the insurance company’s network?
  • Does the insurance plan cover the services I am likely to use?
  • Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?
  • If I want to use a doctor outside the network, will the plan permit it?
  • How easily can I change primary-care physicians if I want to?
  • Do I need to get permission before I see a medical specialist?
  • What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
  • If I have a preexisting medical condition, will the plan cover it?
  • If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
  • Are the prescription medicines that I use covered by the plan?
  • Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
  • Does the plan cover the costs of delivering a baby?

What is the quality of the insurance plan I’m looking at?

  • What does my doctor say about his or her experience with the plan?
  • What do my friends and colleagues say about their experiences with the plan?
  • How many patient complaints were filed against the plan last year and how many were upheld?
  • How many members drop out of the plan each year? State insurance departments keep track of "disenrollment rates".
  • Do the doctors, pharmacies and other services in the plans offer convenient times and locations?
  • Does the plan pay for preventive health care such as diet and exercise advice, immunizations and health screenings?
  • How have independent government and non-government organizations rated the plan?

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.



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