Individual Health Insurance
Health Insurance
Getting health insurance can be a complicated process. Which doctors or in network, which ones aren't? Which medications are covered and for how much? What's a deductible? Are emergency rooms covered?
If you recently lost coverage or are just looking to see what your options are, we have given everyone access to our quoting tools. Allowing everyone to see their options right online. If you need or want help, we are here to do just that.
Don't even know where to start? Click Below.
Some Of Our Carriers
Understanding Your Policy
Premium & Subsidy
In the world of ACA, your monthly premium is the amount you pay but may not be the total amount of the policy. Premium - Subsidy = Your cost.
Deductible
The amount you pay out-of-pocket for specific covered services before insurance kicks in. Example: $1,000 deductible could mean if you got to the ER, the first $1,000 of the bill is your responsibility.
Copayment (Copay)
A fixed fee you must pay for specific services. Example: $25 copay for primary care visits OR $10 copay for generic drug prescriptions.
Coinsurance
Similar to a deductible but typically on a percentage basis. This represents "your share" of expenses. Example: 20% for imaging AFTER your deductible.
Out-of-Pocket Maximum (OPM)
The maximum amount you will ever pay during a policy year. After this limit is reached all, 100%, of your medical expenses will be paid by insurance.
Network
The facility, providers or suppliers that your health insurance carrier has contracted with to provide services.