Health & Dental Insurance


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!

Insurance

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.

General Health Insurance InformationAn individual or family health insurance plan covers one person or a family on one plan. An unexpected illness or serious injurycan ruin a family financially if they do not have some basic coverage. Most insurance companies offer the same types of managed healthcare plans to individuals and groups.Insurance companies

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.

We are here to assist you in finding that plan that protects you or your family while staying within your budget. Please contact us today to help evaluate your health insurance options.

Dental Insurance

Dental insurance is equally as important as health insurance because dental disease is still prevalent.Being protected by a dental plan and using it wisely are necessary safeguards for your entire family.Unlike medical ailments, which are usually unpredictable, most dental problems are preventable.With regular preventive care, problems are diagnosed in time and can be treated with less expense to both the insurance company and insured, thus keeping the costs of dental care much lower than medical care.

Generally, a local dentist provides your dental care and sometimes the services of a specialist are required. Some plans allow you the freedom to choose your own dentist, while others, in exchange for lower rates, limit your choice. Today’s dental insurance is designed to help you get the care you need at a reasonable cost.
Because each person’s oral health is different, costs can vary widely. To control dental treatment costs, most plans will limit the amount of care you can receive in a given year. This is done by placing a dollar “cap” or limit on the amount of benefits you can receive, or by restricting the number or type of services that are covered.As each individual and family have different circumstances, feel free to contact our office and we will evaluate your dental insurance needs to find the plan the best fits your budget.