Individual & Family Health Insurance

Health insurance is a type of insurance coverage that pays for medical, surgical, prescription drug, and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is crucial for protecting yourself and your family from potentially high medical costs and ensuring access to necessary healthcare services.

Various types of health insurance plans are available, including Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Exclusive Provider Organization (EPO) plans, and Point of Service (POS) plans. Each has different structures for networks, costs, and coverage.

Selecting the right health insurance plan depends on various factors, including your health status, budget, preferred doctors and hospitals, and the level of coverage you need. Key considerations include:

• Premiums: The monthly amount you pay for coverage.
• Deductibles: The amount you pay out-of-pocket before your insurance starts paying.
• Copayments and Coinsurance: Your share of costs for covered services after meeting your deductible.
• Out-of-Pocket Maximum: The most you’ll have to pay for covered services in a plan year.
• Provider Network: The list of doctors, hospitals, and other healthcare providers covered by your plan.
• Covered Services: Ensure the plan covers the services you anticipate needing, including prescription drugs.