Simply put, health insurance is financial protection against medical costs. A health insurance policy is a contract between an insurer and an individual, in which the insurer agrees to provide specified health insurance benefits at a stated price (the premium). 

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of benefits provided will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a "group" health insurance plan, you should explore your options for an individual or family plan. You will find there are many options that can be "tailored" to your situation, needs, and budget.

We are here to help you.....

We are here to assist you by answering your questions and making recommendations based on what you desire to have in your Health Insurance Policy.  
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Utilizing the links below, you can compare plans, shop by price, review the benefits, review the carrier brochure, and search for doctors.  It's FREE!  You can view numerous plans from Aetna, Golden Rule (United Health Care), Humana and Well Path. Also, you can apply right online, 24 hours a day! 

Your "FREE Health Quotes" are a click away! Try it!



HumanaOne

http://www.HumanaOneApplication.com/?HumanaAgent=1437107





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Information - Useful Definitions

Usual, Customary, and Reasonable - Within the language of most policies, the term used referencing medical procedures and their associated payments from your insurance carrier are based on "usual, customary, and reasonable charges" or stated as UCR. This "charge" is determined using various ways by your insurance company within the area in which you live. This is a general amount that an insurance carrier will pay for medical procedures, costs, and surgeries. 

Deductible - This is the amount that is paid on an annual basis by the insured and is usually between $250 to $10,000 dollars. As with most types of insurance, the higher the deductible, the lower the monthly premium. Most generally, this amount has to be met only when an individual has an expensive out-patient test or a serious medical condition where the insured may be hospitalized or may receive an out-patient surgery. For normal routine doctor visits and the purchase of prescriptions, a co-pay is submitted by the insured and the service is received, the deductible does not have to be paid to receive these types of benefits.

Co-insurance - This is usually expressed as a percentage, as an 80/20 plan. This represents the amounts that an insurance carrier pays and the amount for the insured to pay. But, normally, it is NOT 20 percent of the total bill. Unless specifically stated, it is 20% of the next $10,000 or $2,000 dollars. You may have an option with some plans that this 20% would be of the next $15,000 or $3,000. Normally, the later will result in lowering your monthly premiums.

Maximum Out-of-Pocket - Unless specifically stated in your policy, this amount equals the sum of the Deductible and Co-insurance per the individual insured on an annual basis.

Your Existing Insurance Plan - Once you apply for another Health Insurance Plan, Don't Cancel your existing coverage until you receive "confirmation" that your new policy will be issued.

For more information and to receive multiple plan quotes, complete our "Contact Us" form or feel free to call us right away!

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