Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy and benefits you purchase.
Most plans offer preventive services at no cost but other medically necessary care may be subject to a deductible or coinsurance. Plans may also restrict the providers you can use. HMO's,(Health Maintenance Organizations), will have a defined network of providers that you must use in order for claims to be paid.
Health Insurance is an intangible product and many individuals never realize what coverage they've actually purchased until after they file a claim. It is very important to consider the type of coverage’s and choices you would want in a worst case scenario when purchasing health insurance.
At Sterling Services Group, we will take the time to explain a plans strengths, and weaknesses, so you can make the right decision for your family. For a free instant online health insurance quote for you or your family, please fill out our online form or call our office today at 800-954-3773.
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