Horizon Insurance Agency, LLC has great people ready to help you with your Health Insurance needs. They can assist you with all your questions, 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 coverages 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 an individual or group basis, our agency will provide you with the most comprehensive plan based on your individual or groups 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 Managed Care – consisting of Health Maintenance Organizations (HMO’s),Preferred Provider Organizations (PPO), or Point of Service (POS) plans.
General Health Insurance Information
An individual or family health insurance plan covers one person or a family on one plan. An unexpected illness or serious injury can 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.