What Is A Health Insurance Policy Used For?

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Health Insurance Policy

Health Insurance Policies protect your family's day-to-day and ensure you are all covered for the unexpected things that happen in life, allow you access to medical attention, and help keep you and your family from the burden of high medical costs and debt. 

  • Emergency situations

(Urgent Care, Emergency Room, Accidents)

  • Visits to the local Doctor and/or Hospitals

(General Practice, Audiologist, Sexual Health, Diagnosis, Exams, Check-Ups, Laboratory Services, X-Ray, Nursing Care) 

  • Specialist Care Doctors 

(Infectious Disease, Thyroid, Endocrinologist, Dermatologists, Ophthalmologists, Obstetrician/gynecologists, Cardiologists, Gastroenterologists)

  • Long-Term Care

(Hospice, Adult Day-Care,  Assisted Living, Respite Care, In-Home Assistance, Memory Care, Skilled Nursing Facility,

Emergency Medical Alert Systems)

  • Pharmaceutical Prescription Drug Plans

(Diabetics, PDP, Medicare Part D, Medicare RX, Formulary, Pharmacy)

  • Rehabilitation

 

(Occupational, Physical Injury, Car Wrecks, Traumatic Brain Injury, Acute Care, Subacute Care, Inpatient Care, Social Functioning)

  • Pain Management

(Tissue Injury, Inflammatory, Nerve Irritation, Functional Pain, Bioelectric Therapy, Broken Bones, Cluster Headaches, Shingles)

  • Cancer Treatments & Ongoing Care

Oncologist, Chemotherapy, Targeted Therapy, Immunotherapy, Biomarker Testing, Hormone Therapy, Radiation Therapy, Stem Cell Transplant, Surgery)

  • Psychology 

(PTSD, Bi-polar, Schizophrenia, Insomnia, Anxiety, Depression, Addictions, Relationships, Trauma,) 

HEALTH INSURANCE COMPANIES WE WORK WITH

REAL TESTIMONIALS FROM OUR HEALTH CLIENTS

TYPES OF HEALTH INSURANCE POLICIES WE CAN HELP WITH

  • ACA Compliant Health Insurance Plans

 Also Called "Major Medical Insurance", "Obamacare", or "The Marketplace". (HMO & PPO Networks)

     

  • Short-Term Medical Health Insurance Plans (HMO & PPO Networks)

  • Fixed Indemnity & Hospital Plans

  • Accidental Policies 

  • Cancer, Stroke, & Critical Illness Benefits

  • Supplemental Insurance Benefits 

Major Medical health insurance is known as many things but would most commonly be referred to as "Long-Term Health Care", as it can be renewed until age 65 guaranteed.

These types of policies typically come with benefits like co-pays on doctor's visits and drug prescriptions, covering pre-existing conditions and are guaranteed renewals yearly.

 

 Underwriting and premium are only based on tobacco use and age. 

FIXED BENEFITS

Fixed Benefits, also known as "fixed indemnity" health insurance plans are another great alternative to Major Medical and Short-Term Medical health insurance policies. 

These plans work just like they sound, as they pay "fixed benefits" towards the specific doctor and hospital-related services, as listed in your coverage.

 

These plans are typically backed by $1-$2,000,000 max benefits per year and can help with overnight hospital stays and emergency services. 

Short-Term health insurance can be a great alternative to Major Medical for many different types of families needing health coverage.

With some of the same big-name networks as Major medical, these PPO plans will work in any state across the country, which makes sense for many.

Underwriting and eligibility are subject to current health conditions and may come with a lookback period on those pre-existing conditions.

ACCIDENT & SICKNESS

Accident and sickness health insurance benefits are a great addition to the existing coverage, or can even be an additional alternative to having a full-coverage health insurance policy.

These policies are known as supplemental coverage and are very effective for helping you meet deductibles and out-of-pocket costs.

This is the most cost-effective health insurance solution available, and premiums amounts will vary based on what variances of coverage are added.

HELPFUL HEALTH INSURANCE POLICY ARTICLES