Health Insurance
Why You Need
Avoid Huge
Medical Bills
A serious illness or accident can cost a fortune. Health insurance protects your savings and credit from overwhelming medical debt.
Get Free
Preventative Care
Most plans cover things like yearly check-ups, shots, and screenings at no extra charge. This helps you stay healthy and saves you money down the road.
See Doctors When You Need Them
With insurance, you can visit doctors, specialists, and get prescriptions without worrying about how you'll pay right away.
Peace of Mind for Your Family
Knowing you're covered gives you and your loved ones confidence. You can focus on getting better, not on sky-high medical bills.
Why Wait?
Start Your Quote
Ready to get a jump start on your health insurance journey?
For our tech-savvy friends who love to get right to it, our online quoting tool is just a click away. It's a quick and easy way to begin exploring your options on your own time.
Click below to start your personalized quote—I'll be here to answer any questions you have along the way!
1. Schedule A Consultation
2. Fill Out Short Form
3. Meet To Discuss Your Needs
Schedule a consultation
Ready To Talk Instead?
For those who prefer a more personal touch, I'm here to help.
Skip the forms and let's connect for a friendly, one-on-one consultation. We can walk through all of your health insurance options together, answering every question you have along the way.
Health Insurance
Terminology
Health insurance can feel like a foreign language, filled with confusing terms like "deductible," "copay," and "coinsurance."
Don't let the jargon
intimidate you!
Our simple glossary breaks down these common terms, so you can understand your plan and make confident decisions without the guesswork.
Deductibles are upfront cost you will be responsible, not including your copay or
coinsurance. Think of it a lot like deductibles dealing with our vehicle insurance.
You are responsible for a certain dollar amount before your insurance begins to cover. The good news is, for most health insurance plans, you do not have to worry about the deductible when going to your primary care doctor, seeing specialist, purchasing prescriptions and visiting urgent care facilities.
This is the fixed dollar amount you will pay for doctor visits and other medical services.
This is a percentage you will be responsible to pay for services.
For instance, your plan may indicate you will be responsible for 25%. The 25% is known as “coinsurance”.
This is the most, the limit you will be responsible for paying in 1 year for medical services. After this amount is reached, the insurance company covers 100%. This is amount is different from the deductible.
For example, if your MOOP is $1,400, no matter what type of medical services you require, once you have paid out $1,400 for medical services, the insurance company will cover 100%.
So don’t worry about that $20K procedure you may need!
This is the monthly cost of your plan.
For instance, if your monthly cost is $25.77, the $25.77 is the “premium”.
Your first premium is known as a “binder” premium. Your initial payment locks your plan in, as long as future premiums are paid timely.
It is very important to pay the binder premium by the date provided; if not, the plan will be canceled and you may have to wait until open enrollment to enroll again.
“ObamaCare”, “BidenCare”, “TrumpCare”, “ACA”
This is a federal program designed to offer health insurance plans at an “affordable” cost.
There are several factors used to determine monthly premium, with income being the primary factor.
Tiers are different cost levels within a health insurance plan's formulary, categorizing prescription drugs based on their cost and coverage.
Generally, lower tiers (like Tier 1) have lower copays and are usually for generic medications, while higher tiers (like Tier 3 or 4) have higher copays and often include brand-name or specialty drugs.
An official list provided by an insurance company, giving details of medicines that
are covered with your plan.