Health insurance is a type of coverage that helps individuals and families manage the costs associated with medical and healthcare services. Here are some key functions and benefits of health insurance:

Financial Protection: Health insurance provides financial protection by covering a significant portion of medical expenses. It helps individuals mitigate the financial risks associated with unexpected medical emergencies, hospitalizations, surgeries, prescription medications, and other healthcare services.

Access to Healthcare Services: Health insurance grants individuals access to a network of healthcare providers, hospitals, specialists, and medical facilities. It ensures that policyholders can seek necessary medical care without facing significant out-of-pocket expenses, ensuring timely treatment and preventive services.

Preventive Care and Wellness: Many health insurance plans emphasize preventive care, encouraging policyholders to undergo routine check-ups, screenings, vaccinations, and other preventive services. By focusing on prevention, health insurance aims to identify and address health concerns at an early stage, potentially avoiding more severe health issues in the future.

Coverage for Essential Health Benefits: Health insurance plans typically cover a range of essential health benefits mandated by the Affordable Care Act (ACA). These benefits may include hospitalization, emergency services, maternity care, mental health services, prescription drugs, laboratory tests, preventive services, and more, depending on the specific plan and regulations.

Negotiated Rates: Health insurance companies often negotiate rates with healthcare providers and facilities. These negotiated rates can help reduce the overall cost of medical services, allowing policyholders to benefit from discounted prices for covered treatments, medications, and procedures.

Financial Stability and Peace of Mind: With health insurance, individuals gain peace of mind and financial stability. They have the assurance that their health-related expenses are partially covered, reducing the potential burden of high medical bills and protecting them from significant financial hardship due to healthcare costs.

Choice and Flexibility: Health insurance plans offer individuals the flexibility to choose from a variety of coverage options that best suit their needs and budget. Policyholders can select plans based on factors such as monthly premiums, deductibles, co-payments, and the breadth of coverage to align with their unique healthcare requirements.

Our Carriers:

• United Healthcare
• Ambetter
• Molina
• Vantage

       & more