It protects you from high medical costs and gives you access to healthcare services when you need them.
- Premium – The amount you pay for insurance every month.
- Deductible – The amount you pay out-of-pocket before insurance starts to cover costs.
- Copayment – A fixed fee you pay for certain services exp: $25 for a doctor visit
The most you’ll have to pay in a year for covered services. After this, insurance covers 100%.
- In-network: Healthcare providers that have contracts with your insurance company.
- Out-of-network: Providers without contracts with your insurance company—usually more expensive.
It depends on whether your doctor is in-network with the new plan. Check with your agents to make sure you won't have to change doctors or that your new plan allows out-of-network coverage
You may have to pay full cost for medical services and could face financial hardship in emergencies.
Consider your medical needs, preferred doctors, and what you can afford in premiums and out-of-pocket costs.
- HMO (Health Maintenance Organization): Requires referrals and has limited networks.
- PPO (Preferred Provider Organization): More flexible, doesn’t require referrals.
While many plans have exclusions for pre-existing conditions, there are some plans available depending on the exact condition you may still qualify for. Consult your agent for options
Many carriers have online or mobile portals where you can file your claim directly with your insurance. However, our dedicated claims team is able to help submit or submit claims on your behalf should you need assistance.
