Choose from the Nation’s
TOP Health Providers.
Shop. Compare. Save.
Let our licensed agents help with selecting a Health insurance to protect you and your family.
Compare and select from nation’s top carriers and SAVE.
What is Health Insurance?
Health insurance is a contract between you and your insurance company. You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
Why it’s important to have Health Insurance?
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Did you know the average cost of a 3-day hospital stay is $30,000? Or that fixing a broken leg can cost up to $7500? Having health coverage can help protect you from high, unexpected costs like these.
How Health insurance coverage works
When you have insurance, you pay some costs and your insurance plan pays some others. Here are some of the ways that the payments break down:
Premium – A fixed monthly amount you pay to your insurance plan to maintain your Health insurance coverage
Deductible – If you need medical care, a deductible is the amount you pay for care before the insurance company starts to pay its share. Once you meet your deductible, your insurance company begins to cover some costs of your care.
Co-payment – A fixed amount you’ll pay for a medical service after you’ve met your deductible.
Coinsurance – Similar to copayment, except it’s a percentage of costs you pay. For instance, you may pay 20% of the cost of a $100 medical bill. So you would pay $20 and the health plan would pay the rest.
How insurance protects you
Insurance coverage protects you from high medical costs 2 ways:
Out-of-pocket maximum – This is the total amount you’ll have to pay if you get sick. For example, if your plan has a $3000 out-of-pocket maximum, once you pay $3000 in deductibles, coinsurance, and copayments the plan will pay for any covered care above that amount for the rest of the year.
No yearly or lifetime limits – Health plans can’t put dollar limits on how much they’ll spend each year or over your lifetime to cover essential health benefits. After you’ve reached your out-of-pocket maximum, your insurance company must pay for all of your covered medical care with no limit.
Pick a plan that’s right for you
Choose from Individual medical coverage or Group plans. You can also get specific services selected just for you like Dental, Vision, Major medical or Rx programs. We work with America’s top providers like Aetna, United Healthcare, Cigna, BlueCross, BlueShield, Humana, HealthNet, Kaiser Permanente, Assurant and others.
When it comes to choosing a Health insurance you have many choices with us. Select from one of the options below:
|• Group Health||• Major Medical||• Dental Coverage|
|• Personal Health||• Critical Illness||• Vision Coverage|
|• Student Medical||• Prescription Drug Insurance||• Accident Insurance|
Why choose us?
Physician Choices – Your Primary Care Physician (PCP) plays a key role in your health care. Because we represent so many health care programs, we can help you find the right PCP for you or make sure that the existing PCP you are working with is covered under the health insurance coverage you purchase from us.
Network Savings – Receive quality care at reduced costs because our providers have agreed to lower fees for covered expenses.
Experience – All of our agents you work with are licensed and have years of industry experience. They also go through extensive Carrier training so when you consult with them, rest assured that you are receiving professional consultation from experts in the health industry.
Health Insurance Product Comparison
At 800InsuranceNow we provide your family with healthcare and peace of mind at an affordable budget.
|Who is this for?||Advantages||Things to Consider|
|Personal Health Insurance||
|Drug RX Program||
|Dental Insurance||Available to everyone||
|Student Medical Insurance||
|Vision Insurance||Available to everyone||
||Offerings may differ from each provider and each state||Learn More|
|Group Health Insurance||Companies, Associations Unions and other groups||
|Critical Illness||Individuals following diagnosis or treatment of an illness deemed critical||
|Major Medical||Individuals with major illnesses like cancer, heart problems, etc.||
How much Health Insurance I need to purchase?
It is important that you do not over or under purchase health insurance. Each will impact you negatively. Please contact us at (800) 363-6300 for a no-obligation professional consultation.
How much it will cost?
Because we are authorized to represent many different health insurance carriers, we are able to provide you with many options starting at less than what you may spend for a daily cup of coffee.
Please contact one of our friendly licensed professionals to identify the right coverage at a right price for you – in less than 5 minutes.
Call us Toll Free (800) 363-6300
*Tax and/or legal advice is not offered by 800LifeInsuranceNow, or their affiliated companies. This material is provided for informational purposes only and should not be construed as tax, or legal advice. Clients and other interested parties must consult with and rely solely upon their own independent financial professional regarding their particular situation and the concepts presented here.