Horizon Insurance has great people ready to help you with your Health Insurance needs. They can assist you with all your questions and concerns, help you set up your account, and get your health coverage in place.
You also get the services of someone who knows how to navigate the system, can explain the coverage’s to you, and can make recommendations as to what is best for you at no additional cost!
Health insurance has changed in many ways in the last few years. Depending on your health insurance needs, whether it be on a individual or group basis, our agency will provide you with the most comprehensive plan based on your individual or group current and future health care needs.
With this in mind we have put together a quick reference guide with definitions that will familiarize you with the common terms used in the breakdown of coverages available.
Some of the most common choices of plans are: *Fee-For-Service (or Indemnity) Plans or Managed Care – consisting of: *Health Maintenance Organizations (HMO’s), *Preferred Provider Organizations (PPO) or *Point of Service (POS) plans.
generally offer different levels of deductibles to keep premiums within a budget. Each person or family must determine what coverage, premium, deductible and out of pocket expense will best suit their needs.