Health Insurance Facts

Get instant health insurance quotes, compare medical insurance plans, and find affordable health insurance to fit your health care coverage needs.  In just a few short minutes you can compare the best options, find the right policy and even bind coverage right here.

Why You Need Health Insurance

When it comes to health problems, it’s not a matter of “if” they will happen, but “when” with most individuals. Whether it’s a minor outpatient surgery or a major surgery with a prolonged hospital stay, the medical bills can mount up in a hurry to thousands of dollars. When medical needs do arise, that’s when health insurance counts the most.

If you feel you don’t need health insurance right now, think about the future. Health costs are steadily increasing, and you can never predict what your healthcare expenses will be from year to year.  With any major medical event or serious injury, the healthcare costs can be anywhere from $20,000 to $1,000,000!  The average household wouldn’t be able to afford a high amount such as this, even if payments were made for 30 to 40 years. With health insurance, however, you pay in now for future protection in case a serious illness or injury does arise. Health insurance can make the difference between paying $4,000 instead of $20,000, or even much higher amounts.

Another reason healthcare is so important is because it gives you the means for routine physicals and preventive care. You’re more likely to visit the doctor for regular checkups if you have insurance. This enables you to catch disease and illness in the early stages, which often means the difference between life and death. When you consider the savings and peace of mind knowing your family is protected, health insurance is definitely a worthy investment.

Types of Health Insurance

There are several types of health insurance.  Most insured people obtain health insurance through their employer or an organization such as a club or union. This type of insurance is called group insurance. With group insurance, the employer usually pays part or all of the premiums, which allows employees to obtain very affordable insurance. When getting insurance through a club or organization, there is usually a discount for each individual, but the organization does not actually pay part of the premiums.

Individual insurance is a type of insurance available to those who cannot obtain insurance through a group plan. Those who are self-employed or who work for a company that does not provide medical benefits can purchase an individual plan. There are also national, state, and local medical insurance offerings for those who qualify, including Medicare, Medicaid, disability, military, and veteran programs.

Some of the Plans We Offer

Health Savings Accounts

More control over healthcare dollars
One calendar –year deductible per family
Higher deductible, lower monthly premium

Copay Plans

Copay benefits for routine expenses
Save on kies regular Dr. Appts
Save on preventative Care and Prescriptions

High Deductible Plans

Lower Premiums
Protection for unexpected illness
Bridge to medicare

 

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