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With daily premium rate increases, it is critical to control costs to protect your health and assets. Additionally, certain factors can produce varying prices for identical plans. Fortunately, we can help you sift through the complicated jargon and get you the best rate for your needs.
UNDERSTANDING HEALTH INSURANCE
What is an insurance premium?
An insurance premium is the price, rate or cost the insured pays for the insurance policy.
What is an insurance deductible?
The insurance deductible is the amount of money the insured will pay before the insurance company starts paying claims.
What is an insurance co-pay?
An insurance copay is a fixed dollar amount an insured will pay for a specific service.
What is a max out-of-pocket?
The max out of pocket is the maximum amount of money an insured will pay for services during the policy duration.
Explore your health insurance options
Individuals & families
Individual and family health plans can cover one person, a couple, or a household. Compare the doctors and hospitals in the network, prescription coverage, monthly premiums, and what you would pay when you use care. Eligibility and enrollment timing matter when choosing between Marketplace and other coverage options.
Explore individual and family coverageEmployer small & large groups
Employer coverage brings employees under a group health plan. Reviewing who can enroll, employer contributions, dependent coverage, provider networks, and out-of-pocket costs can help you compare options for your business. Small and large group arrangements differ, so start with your workforce and budget.
Discuss group coverageMedicare
Original Medicare includes Part A and Part B. Prescription drug coverage, Medicare Advantage, and Medicare Supplement insurance serve different roles. Compare your doctors, medications, costs, and enrollment windows before selecting an option. Medicare Supplement coverage helps with certain Original Medicare costs; it is not the same as Medicare Advantage.
Explore Medicare optionsGlobal travel medical
Travel medical coverage can help with eligible medical expenses away from home. Check the destinations, trip length, exclusions, and any medical evacuation benefit before you travel. Trip cancellation coverage and travel medical insurance are different, and a domestic health plan may provide limited benefits outside the United States.
Discuss global and travel coverageWork visa & green card holders
Your immigration status, state of residence, and other eligibility rules affect the health coverage available to you. Certain lawfully present immigrants, including green card holders and some visa holders, may qualify for Marketplace coverage. Compare comprehensive health coverage with any visitor or travel policy rather than assuming they provide the same benefits.
Discuss your coverage optionsCoverage information: HealthCare.gov, Medicare.gov, and U.S. Department of State. Benefits, eligibility, and availability depend on the policy and your circumstances.


