- Home
- HEALTH
- LIFE
- SUPPLEMENTS
- HOME & AUTO
- Commercial
- Accident Insurance
- Aliera Healthcare
- BOAT Insurance
- Children's Dental
- Children's LifeInsurance
- Commercial Property
- Commercial Vehicle
- Critical Illness/Cancer +
- Dental/Vision
- Final Expense Insurance
- GAP Insurance
- General Liability
- Group Health Insurance
- Group Insurance AHCA
- Group Life Insurance
- Group Major Medical
- Health Savings Account
- Healthcare Reform Act
- High Risk Life Insurance
- Homeowner Liability
- Homeowners & Renters Ins.
- How to cut your taxbill
- Ind/Fam Health Insurance
- Insurance Supplements
- INTERNATIONAL TRAVEL
- Irrevocable Life Insur
- Key Person Insurance
- Liability
- Medical Indemnity Plans
- Motorcycle Insurance
- Partnership Health/Life
- Personal Auto Insurance
- Quotes
- Renter's Insurance
- Return of Premium Life
- RV and Motorhome
- Self Funded Group Health
- Short Term Medical
- Teen Driver
- Term/Whole Life Insurance
- Testimonial
- Umbrella Policy
Individual/Family Health Insurance
Health Insurance is to insure against the risk of incurring medical expenses among individuals. Designed to assist in the event of minor and major medical needs. Ranging from doctor visits for minor needs such as a cold, sprains to major needs such as heart transplants, cancer or many other traumatic health issues. Not being properly insured can have a devastating affect financially. Make sure when shopping for coverage you get the best you can afford in the event of an unforeseen need.
The most popular medical plan is known as a PPO. A group of doctors, care providers within a network. Before selecting a carrier check to see if your preferred doctor or healthcare provider is within the PPO of the carrier.A PPO is a Preferred Provider Organization within the framework of the managed care health industry. A PPO is a group of doctors, hospitals, and other healthcare providers who create a network and negotiate predetermined fees with a given carrier. The largest (and oldest) PPO network in the United States is Multi-Plan. Founded in 1980, Multi-Plan has over a half million health care providers under contract and processes over 65 million claims per year.
The PPO is the most common type of Health Insurance coverage in place today.
•The function of a PPO is to allow patients to see specialists without a referral from their primary care physician, to control medical costs through oversight, and to streamline the claims process by agreeing to doctor's charges in advance. A Preferred Provider Organization will usually renew their contract with a carrier annually or bi-annually, adjusting fees to reflect the prevailing market costs of medical care.
•Health Insurance companies offer many different PPO plans.
When considering enrolling in a PPO you should do a personal cost analysis by determining how many doctor visits you need rather than paying for unlimited select the number of visits you feel certain you will need and rely on the negotiated rate for those unforeseen visits in the end you should save substantially.
Perhaps a higher deductible with an accident plan to use as a GAP insurance.
Healthy America GAP Details / Quotes / Apply
GAP ER/Urgent Care plan pays up to $1000. per visit/per person up to 5 ER/Urgent Care visits per year. Great Plan if you have kids that play sports.
Obviously, the better coverage, lower deductibles, and multiple doctor visits with lower co-pays will mean higher monthly premiums. Insurance is a necessity, but to spend more than you can afford for coverage will often leave you cancelling your coverage and nothing good could come from that.
•Just because a PPO is not an HMO doesn't mean the PPO doesn't contain some aspects of an HMO. There is still a good deal of cost oversight, and many procedures need to be pre-authorized. Also, prescription benefits vary greatly from plan to plan and some prescriptions may require secondary approval from the carrier before they can be filled.
•PPO benefits change drastically when the member goes "out of network." While a given procedure may be covered 90 percent in network, the same procedure may only be covered 50 percent out of network. Also, it is important to verify that all your healthcare providers are in network before major surgery. It is all too common for a patient's doctor and hospital to be in network, but the anesthesiologist is not, resulting in costly and unexpected charges. Understanding Preventive/Wellness Benefits of the new healthcare reform law is crucial.
Limited Benefit Plan- National General Foundation Health plans are fixed-indemnity insurance plans that pay limited benefits to provider. This plan is different than other health insurance plans. It pays pre-set dollar amounts for specific health care services. The benefit you receive for a certain health care service is the same regardless of where you receive your care or how much your provider charges
- Affordable access to health care with easy-to-use benefits that start right away
- Set dollar amounts that help you pay for office visits, hospital stays, lab work and more
- First-dollar benefits with no deductible or copay to satisfy
- Access to telemedicine services and WellCard discounts on prescriptions, vitamins and more with a L.I.F.E. Association Membership
- Discounts on covered health care services when you visit network providers Brochure Find a Provider Quote/Apply