Health Insurance

We help individuals and families feel more secure by using insurance to replace the risk of financial loss. We provide comprehensive, affordable insurance protection for most personal and business needs, and we provide experienced, professional service with:

Health insurance is one type of insurance you're pretty much guaranteed to use. We all need medical attention from time to time, and some of us need it quite frequently. When care is needed, you want to focus on getting better not on how you're going to come up with the money to pay your medical bills. A good health insurance plan allows you to focus on what's most important, your physical well being.

Is there anyone who doesn't need health insurance? Not really. Even if you're young, healthy and haven't had to see a doctor in years, you never know when you might be involved in an accident or be diagnosed with a serious medical condition. While your health insurance coverage will pay for things that aren't too costly like routine doctor's visits or lab tests, the main reason to have coverage is to have protection against the potentially catastrophic expenses of serious illness or injury.

If you’ve ever been sick or injured, you know how important it is to have health insurance coverage. Health insurance pays for things big and small from a lab test that might cost $75 to a three-day hospital stay for major surgery that could cost tens of thousands of dollars. It gives you peace of mind of knowing that no matter what kind of care or procedure you or a family member might require, you won’t have to worry about shouldering the cost on your own.

If you need to make a decision between several plans that your employer offers, or are looking to buy an individual health insurance policy, you need to know what to look for before making a decision. When choosing a health plan, there are several important questions you should ask your human resources department (if it’s a group plan you’re considering) or health insurance agent. These are just some of the questions that will help you understand your choices and choose the plan that is best for you.

• Does the plan cover you for the specific doctor or hospital that you would like to use?
• How does the referral system work with each plan?
• What pre-existing conditions would affect coverage?
• How will each plan handle care if you or a family member is away from home?
• What are each plan’s monthly premium, deductible and coinsurance and would they fit within your budget?
• Are there other fees, such as co-payments and out-of-network fees?
• Is there a maximum amount each plan will pay over a year or lifetime?
• What types of benefits are specific to this plan?