Health Insurance

Medical Team

What is health insurance?

Health insurance refers to insurance that covers a portion of the cost of a policyholder’s medical costs. How much the insurance covers – and how much the policyholder pays via copays, deductibles, and coinsurance – depends on the details of the policy itself.

What are the different types of health insurance?

  • There are several different types of health insurance including public coverage (Medicare, Medicaid, VA coverage) and private coverage.

  • Private healthcare coverage can be provided by an employer or purchased in the individual/family market.

How do you buy health insurance coverage?

  • If you don’t have access to coverage provided by an employer, you’ll need to obtain your own health insurance in the market for individuals and families. If you need to buy your own health insurance, the annual open enrollment period runs from November 1 to December 15 in most states. Outside of the annual open enrollment period, you can still make plan changes – and in some circumstances, newly enroll – if you experience certain qualifying life events.

  • If you’re ready to shop for health insurance coverage, stop by your office and one of our experienced professionals will help you find the best plans, programs, and strategies for your individual needs.