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PLANNING ON A
TRIP?
Medical and Related Insurance
For Travel Outside of Your Home
Country
(click the above link for a quote and quick app)
Get Short Term Major Medical
Protection today!
Click HERE to get protection
for you and your family from
Assurant (John
Alden), a Nationally
Recognized Insurance Company.
Health Protection for Groups,
Families and Individuals
Health Insurance has
become a major financial challenge for all of us. As a family, you may have had
to deal with unexpected illness and unexpected medical bills. As a small
business owner, you have had to deal with the challenge of providing good
protection for your employees at a manageable cost.
While there are no easy answers, hundreds of our clients have relied upon
our health insurance professionals to find the protection they need.
Click on the "GET A QUOTE" tab above
if you are ready to talk to us about your
protection.
What should you do
before you buy?
In a guide developed by the Agency for Health Care Policy and Research,
called “Choosing and Using a Health Plan,” the HIAA recommends that you ask a
few questions before you begin your search:
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How comprehensive do I want coverage for the health care services to
be?
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Do I want limits on what doctors or hospitals I can
visit?
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How convenient does my care need to be? (Under some programs, a primary
doctor will refer certain care to specialists)
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How much of a factor is cost?
Once you have worked through the questions, you need to decide on which
type of program suits your needs. Whether group or individual, the two
most common options are traditional “fee-for-service” plans and managed care
plans that are offered through health maintenance organizations (HMO’s) or
preferred provider organizations/networks (PPO’s or PPN’s).
Fee-for-service plans
Often called
“indemnity” plans because they pay back (indemnify) a portion of the cost, these
plans generally allow you to visit the doctor or hospital of your choice.
Either you or the provider will send the bill to your insurance company, which
will pay a portion of your covered expenses (usually 80%) after you’ve met your
deductible. You will pay the remaining 20%, or co-payment, up to the
maximum out of pocket sum specified by your policy.
Health
Maintenance Organizations (HMO’s)
These plans
are made up of providers who offer their services in exchange for a fixed
payment. In addition to the plan’s premium, enrollees pay a fee-usually
between $10 and $25 – each time they use the services of the HMO’s doctors or
facilities. HMO’s provide enrollees with lists of participating doctors,
specialists and hospitals or other facilities. Each enrollee chooses a
primary care physician who coordinates treatment, including referrals to
specialists and other professionals.
Preferred Provider Organizations/Networks (PPO’s /
PPN’s)
Similar to HMO’s in that there is a
listing of physicians, dentists, hospitals and other facilities that contract
for their services. Different in that the contract can be with insurance
companies, employers and other organizations and members are not limited to
using the services of the PPO/N providers. Members can use other doctors
outside the plan, provided they pay any additional costs – often 20% to 40% of
the amount charged.
Click
on the "GET A QUOTE" tab above if you are ready to talk to us about protection
for your employees on a customized group protection
program.
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