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Types of Coverage – Health

 
 

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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
  • Individuals
  • Families
  • Students
  • Lower deductibles
  • Can customize a plan to your specific needs
  • Low cost if in-network
    providers are used
  • You cannot be denied coverage or charged a significantly higher premium because of a pre-existing condition or your gender.
  • All coverage is renewable, if you choose to renew it.
  • More restrictions imposed by providers than Group Insurance
  • Costly if you go outside the network
  • Your health insurance can only be cancelled for non-payment of premiums or fraud.
Learn More
Drug RX Program
  • For anyone who takes more than average amount of prescription medicine
  • People who have to take expensive specialty medicine
  • Flexible payment options
  • Covers most prescription medicine drugs
  • Thousands of available pharmacies nationwide
  • Your Rx drugs can be shipped to you quickly. General delivery within 48 hours
  • Pharmacist or nurse available 7×24 by phone to answer any Rx drug related questions
  • Extra phone support provided for patients with g complex
  • Need to purchase generic brand first. If not available, then brand drugs are ok.
  • If generic brand is available but you choose to purchase brand name medicine, you will be responsible for the difference.
Learn More
Dental Insurance Available to everyone
  • Simple benefit to meet your needs and budget
  • Choice of having benefits paid right to you or your dentist
  • Plans available to you, your spouse and/or your dependent children
  • Renewable up to age 70
  • Most plans do not cover orthodontic treatments. That is an added option.
  • Experimental or investigative services not covered.
  • Cosmetic services not included.
Learn More
Student Medical Insurance
  • Students
  • Some schools extend coverage to their alumni
  • Cost of plans are typically one third of an individual Personal or Group plan
  • Coverage is during academic year including summer session
  • Plan is in force anywhere in the world
  • Pre-existing condition coverage
  • College sports covered
  • Coverage available for dependent(s) and/or spouse
  • Maternity and newborn care covered
  • Emergency medical evacuation coverage
  • Savings for paying full premium in advance
  • No longer eligible when you graduate
  • Maximum age for dependent coverage is 26
  • Plans have low rates because the student population tends to be young and in good health. Check with your provider if you have any major medical illness while at school.
Learn More
Vision Insurance Available to everyone
  • Eye exams
  • Prescription eyeglasses
  • Non-prescription
  • Sunglasses
  • Contact lenses and,Solutions
  • LASIK surgery
  • Discounts on non-covered items
  • Reimbursements for out-of-network care
Offerings may differ from each provider and each state Learn More
Group Health Insurance Companies, Associations Unions and other groups
  • Less costly than Personal Health
  • Poses fewer restrictions to membership than Personal Health Insurance
  • Generally providers cannot deny based on pre-condition illnesses
  • How many would be in the group?
  • What are their health characteristics?
  • Do you want to share insurance costs with the members?
  • It may be difficult to find an insurance plan that takes groups with under five participants.
  • Less customizable than Personal Health insurance
  • Generally preventive care is not covered.
Learn More
Critical Illness Individuals following diagnosis or treatment of an illness deemed critical
  • Lump sum cash payment is paid by insurer
  • Lump sum cash payment can cover the costs of out-of-network expenses
  • Affordable monthly premiums
  • Multiple benefit levels to match your budget.
  • Extensive application assessment process.
  • Limitations and exclusions that are subject to pre-existing conditions.
  • Provide supplemental benefits. Should not be used as a replacement for comprehensive medical coverage and do not meet minimum essential coverage requirements.
Learn More
Major Medical Individuals with major illnesses like cancer, heart problems, etc.
  • Coverage for everyone, regardless of health status.
  • No annual or lifetime dollar limits on hospitalization, emergency care, outpatient care, prescriptions and doctor visits.
  • When using in-network providers, 100% preventive services are paid.
  • A range of premium options available.
  • Certain treatments are not allowed. See details.
  • Complications of an excluded services is not paid.
  • Drugs not approved by FDA or drugs obtained outside the US is not covered.
  • Charges reimbursable by Medicare, Workers’ Compensation is not covered.
Learn More

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.


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