We offer a variety of health insurance plans, which are available for single or group coverage. Contact us for a FREE EVALUATION to match you with the plan that best suits your needs.

What is
Medical Insurance?

Medical insurance, also commonly known as health insurance or healthcare insurance, is a type of insurance that covers some or all of the policyholder’s medical expenses, depending on a variety of factors. Medical insurance coverage varies widely depending on the plan, each of which may have different restrictions or levels of coverage. Copay costs, deductibles, and coinsurance also vary from plan to plan, so choosing a health insurance policy that fits your needs can seem like a confusing or overwhelming task. Without proper medical coverage, you could be left with insurmountable debt, which is a prominent concern for many Americans. Unlike dental and vision insurance, medical insurance cannot simply be purchased whenever a medical need arises. Health insurance, whether through your employer or purchased on your own, typically has an open enrollment period where anyone can enroll. Outside of that window, you must usually experience a qualifying life event, such as aging out of your parents’ insurance, getting married or divorced, etc. in order to be able to purchase a health insurance policy or enroll with your employer. There are many caveats and confusing restrictions related to health insurance, so speaking with a licensed professional is recommended before selecting a plan to ensure you receive the maximum amount of coverage you are likely to need while still keeping the cost of the plan itself in mind. 

Individual or Group

Health insurance is what most people typically consider to be the most important type of insurance coverage due to the incredibly prohibitive cost of healthcare, so when choosing a plan for yourself or for a group, it is important to keep some things in mind. We offer policies for both individual coverage and group coverage and take into consideration the extent of medical coverage you are looking for. If you are looking for coverage for yourself, consider your medical history, your budget for a policy, and your family history as well. Many insurance policies require a medical screening in order to qualify for coverage, and they take family history into account as well to determine your risk level for future medical problems. If you have a preexisting medical condition, that can also pose a potential problem when seeking coverage for yourself. If you are an employer looking to provide medical coverage for your entire staff, or if you are looking for a policy that covers your entire family, you may want to consider several factors as well. When selecting a group policy, consider the level of coverage that will be acceptable to all who will be enrolling in the, consider bundling if you are also looking to offer dental and vision coverage, as bundling can reduce the overall cost of coverage, and consider the cost of the plan relative to what the plan will cover. Health insurance is vital, although it can be confusing and overwhelming amongst the wide variety of plans that are available, with not all plans being created equal. It is highly recommended that you meet with one of our licensed, experienced professionals to talk about your needs and help you through the process of selecting the right health insurance plan for you. 

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