Health Insurance Plans

Health Maintenance Organization or HMO

An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

Preferred Provider Organization or PPO

A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Health Savings Account (HSA)

An HSA is a tax-advantaged bank account tied to certain high-deductible health plans.  It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.

When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. We suggest you the Marketplace Subsidy Calculator to see if you qualify.

A Christian-based health plan wherein members share each other’s eligible medical bills. There are different options for different budgets, as your monthly share is based on your family’s household income.

Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families.  In the past, short term plans have been available for up to three months, but new federal guidelines allow for plans up to one year, and are renewable for up to three years.  The great thing about short term plans are they are generally less expensive than traditional health insurance, however, they do not provide full coverage and they typically do not cover pre-existing conditions.

Based on your needs, you can select the length of time  and from a range of available deductible amounts.  Additionally, short-term health insurance plans do not contain the essential benefits as required by the Affordable Care Act.

While traveling, your regular health plan only  covers a fraction of costs. Don’t go without coverage. Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.