Health Insurance
Health Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Health Insurance Information
Your health and wellness are integral to your overall quality of life. This makes it necessary to ensure you can access medical services when needed, as even the most responsible and safe individuals may be involved in accidents or contract an illness. Fortunately, the right medical insurance can help you afford the care needed to manage your health and recover from ailments.
What Does Medical Insurance Cover?
Also known as health insurance, these plans can come in many forms with varying capabilities and limitations. In many cases, you may wish to ensure that your policy can provide financial assistance for the following:
- Preventive care
- Hospitalization
- Mental health and substance abuse services
- Ambulatory care
- Emergency services
- Prescription drugs
- Pregnancy, maternity and newborn care
- Laboratory services
- Pediatric care
- Rehabilitative and habilitative services and devices
How Does Health Insurance Work?
While the exact details of your coverage may vary, policies are generally made up of the following components:
- Premiums are the amount you pay regularly (e.g., monthly or quarterly) to maintain your coverage.
- Deductibles are how much you must contribute out of pocket in a single plan year before receiving aid, although some services, such as preventive care, may be exempt from this requirement.
- Copays and coinsurance are flat fees and percentages you’ll be responsible for paying based on the type of health care you require.
- The out-of-pocket maximum establishes a limit on the amount you can be charged out of pocket in a single plan year for covered services.
How to Get Coverage
Many people get health insurance through their employers, as group health plans can provide a convenient and cost-effective way to retain coverage. However, you may also wish to explore the offerings of private carriers and the Health Insurance Marketplace.
At Vanmar Insurance, we’re standing by to help you assess your needs and identify the right coverage options. Contact us today to learn more or get a quote.
|