Health Insurance
Comprehensive health insurance coverage for individuals and families. Protect your health and financial well-being with quality medical coverage.
What is Health Insurance?
Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.
Fast & easy
Quick application process with instant quotes and streamlined enrollment
Secured process
Bank-level security protection for all your personal health information
Control over policy
Customize coverage to fit your specific health needs and budget
Save your money
Competitive rates and multiple discounts available for individuals and families
Health Insurance Types
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO's network, you may have to pay the full cost of the services provided. HMO members usually have to get a referral from their primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you can use out-of-network providers and facilities, but you'll have to pay more than if you use in-network ones. If you can visit any doctor without a referral. If you have a POS plan, you can visit any in-network provider without needing to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. If you have an HDHP, you can have a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
Essential Health Benefits
All health insurance plans must cover these essential health benefits to help you stay healthy and protect you financially.
Emergency Services
Coverage for emergency room visits and urgent medical care
Preventive Care
Annual checkups, screenings, and immunizations at no cost
Prescription Drugs
Coverage for prescription medications and pharmacy benefits
Maternity Care
Pregnancy, childbirth, and newborn care coverage
Mental Health
Mental health services and substance abuse treatment
Pediatric Services
Children's dental and vision care coverage
Who Needs Health Insurance?
Health insurance is essential for everyone to protect against unexpected medical costs and ensure access to quality healthcare. Coverage is especially important for:
Coverage Benefits
Talk to our Health insurance experts
Protect your health and financial well-being with comprehensive health insurance coverage. Our experts will help you compare plans and find the right coverage for your needs and budget.
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