Medical Insurance Plans (under age 65)
Call 877-473-6031 to speak to an agent.
With the Affordable Care Act mandating that most Americans purchase health insurance beginning in 2014, some people - especially those who are young or healthy - are questioning why they need coverage at all. An illness or injury can interrupt your plans, but they don't need to deplete your savings or jeopardize all that you've worked for.
Quality medical insurance can help protect you and the ones you love, against the unpredictable, unexpected and fundamentally uncontrollable health problems that come up in life. We want to make sure you have the right coverage for your needs, which is why we offer a wide variety of plans.
If you are age 65+, you may be eligible for Medicare.
Other plans available include Vision, Dental, Long Term Care, and Cancer plans.
There is no fee to call and ask questions. You are under no obligation to purchase a plan or pay any fees nor will anyone pressure you to do so. We just want you to have access to the best plan at the best price.
Call us at 877-473-6031 to learn more.
A Point of Service (POS) plan has some of the qualities of HMO and PPO plans with benefit levels varying depending on whether you receive your care in or out of the health insurance company's network of providers. Like an HMO plan, you may be required to designate a primary care physician who will then make referrals to network specialists when needed. Like a PPO plan, you may receive care from non-network providers but with greater out-of-pocket costs. You may also be responsible for co-payments, coinsurance and an annual deductible.
PPO plans give you flexibility. You don’t need a primary care physician. You can go to any healthcare professional you want without a referral—inside or outside of your network. Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.
Is a PPO plan right for you?
PPO plans do not require you to choose a Primary Care Physician (PCP) and do not require referrals. A PPO plan would allow you to continue your visits regardless of whether your doctor or specialist is in- or out-of-network and without a referral from a PCP. It is important to remember, that while you can receive care from any doctor, specialist or hospital you choose, you will save more money by choosing an in-network provider.
HMO Plans Offer a Network of Providers
HMO stands for Health Maintenance Organization. With an HMO plan, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers who will refer you to in-network specialists or hospitals when necessary. All your care is coordinated through that PCP.
Is an HMO plan right for you?
With an HMO plan, your out-of-pocket medical costs and monthly premiums will generally be lower than with other types of plans. If you are someone who doesn't see a lot of specialists or would like having your care coordinated through a PCP, then you might save more money with an HMO plan. When you apply for an HMO plan, you'll select a Primary Care Physician who will be the first point of contact for your healthcare.
Your PCP will be able to see the total picture of your overall health. Together you can make the best decisions to manage your health and well-being, which includes your PCP making referrals to specialists. If you have a standing relationship with a doctor or specialist outside of your network, or would prefer more flexibility when choosing your care providers, you might consider a Preferred Provider Organization (PPO) plan instead. PPO plans often feature a higher monthly premium and out-of-pocket medical costs but will allow you the freedom to choose doctors and specialists that are in- or out-of-network without a referral from a PCP.
What is a Health Savings Account (HSA)?
A health savings account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep.
Is an HSA plan right for you?
- Health insurance can cost less
- Savings help to pay your deductible
- Tax-deductible deposits
- Tax-deferred growth