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Health Insurance

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Insurance

Health Insurance

To continue doing the activities that you love, being in good health is crucial. So, protecting your health throughout your life is an essential step to take.

Unfortunately, navigating the currently available health insurance options can be difficult for anyone. That’s why entrusting The National Insurance Group to help you find a fitting health insurance policy is an excellent choice.

The insurance agents at The National Insurance Group are all skilled professionals with a comprehensive knowledge of the available health insurance options. We can help you find a plan that suits not only your healthcare needs, but also your budget.

Insurance

Understanding Health Insurance

Health insurance provides coverage for medical expenses if you need to visit a doctor or the hospital. It prevents you from being fully responsible for medical bills to treat illness, injury, or chronic conditions. Healthcare costs can add up quickly, but health insurance can lessen the burden whenever you’re in need of medical treatment.

There are multiple types of health insurance available. With numerous options at your disposal, our team can help you understand each option and determine which one best fits your lifestyle.

Options

Types of Health Insurance Types Include:

Health maintenance organizations (HMOs)

With an HMO, you’ll have access to a local network of providers. Usually, your medical care will only be covered by the insurance plan if your provider is in-network. While the providers that you can see with this type of plan may be limited, HMO plans often provide low premiums and low deductibles.

Preferred provider organizations (PPOs)

PPOs offer a large network of providers for greater choice in your medical care. For an added out-of-pocket cost, you may also often receive care from providers who aren’t in the plan’s network.

Exclusive provider organizations (EPOs)

EPOs provide a network of providers and exclude coverage for out-of-network medical services (unless it’s an emergency).

Point-of-service plans (POS)

POS insurance offers a combination of characteristics of HMO and PPO plans. The cost of care from in-network providers is typically low, but the network of providers is often more limited than that of a PPO plan. POS plans provide preventative care benefits and you may see out-of-network doctors for an added cost.

FAQ

  • Why should I get insurance?

    Insurance provides protection for your family and property in insured events. Medical expenses and property damage can be paid for with compensation from your insurance company when you file a claim. Insurance can also help you avoid legal complications if you’re ever sued. Additionally, insurance is required by law to drive a car and have a loan on a home.

  • What is personal insurance?

    Personal insurance covers non-business-related property and events. This includes your home, car, personal belongings, and personal events like weddings.

  • What is a deductible?

    A deductible in insurance is the amount that you’re required to pay before your insurance coverage takes over. After you’ve paid the full amount of your deductive, the insurance company will cover the cost of the remaining damage. For example, in the case of health insurance, if you have a $1,500 deductible, you’ll be financially responsible for the initial $1,500 of covered medical expenses. Once you’ve paid this amount, the remaining service costs will be paid for by the insurance company (you’ll typically only be required to pay for copayments).

  • What does it mean to be liable?

    If you’re held in an accident liable, it means that you’re legally responsible for the cost of the damages. In the context of auto insurance, liability means that you’re responsible for covering the expenses associated with the car crash, including property damage and medical bills.

  • What type of information will I be required to provide to the insurance companies?

    Insurance companies take a significant amount of information into account for your insurance policy. Your age, claims history, credit, the type of property you own, and the area in which you reside will all be provided to the insurance company when your agent is underwriting your insurance policy.

  • Why should I work with an insurance agent?

    Working with an insurance agent will provide you with personalized service. You’ll be in direct contact with an experienced insurance agent who will consider all of your needs to find the policy that’s a perfect fit. Local insurance agencies like The National Insurance Group provide affordable pricing and high-quality insurance plans with an individualized approach, offering the greatest benefit to individuals seeking insurance coverage.

  • Why is working with an insurance agency a better option than going to the major carriers?

    If you opt to go to the major insurance carriers to secure your insurance coverage, you’re likely to be offered a generic insurance package. This package is unlikely to provide the coverage that matches all of your needs and unique circumstances. Smaller insurance agencies can provide more personal attention and care while finding and recommending insurance policy options. If you get confused, the agents at The National Insurance Agency are available to promptly answer questions and offer insights to guide you through the process. Plus, many of the major insurance carriers don’t offer insurance directly through consumers. So, we can provide you with a wider range of top insurance plans. What sets us apart from the major carriers is that The National Insurance Group is directly appointed with the Nation’s top A+ Rated Insurance Carriers. Our highly trained agents will provide you with a cost comparison meant to identify the best level of coverage at the most affordable rate, tailored to meet your needs. If you didn’t find your question here, contact us today to speak with one of our knowledgeable agents.

Speak with one of our agents and secure health insurance that matches your needs and budget.

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