Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

What is Health Insurance?

Health insurance is a must in todays high costs for healthcare. Not having insurance can cause serious financial hardship if you were to become sick or injured.  Over 50% of all bankruptcies each year in our country are caused by large unpaid medical bills. This coverage provides for the payment of benefits to doctors & hospitals as a result of sickness or injury. Includes insurance for losses from accident, medical expense, or accidental death and dismemberment. Medical insurance can be purchased  in 3 ways.

  1. Group health insurance through your employer
  2. ACA Marketplace health insurance
  3. Short Term Medical plans 

ACA Marketplace coverage offers comprehensive coverage versus a Short Term plan which only offers limited coverage for a short time period. ACA coverage is "Guaranteed Acceptance" which means you cannot be turned down due to a pre-existing condition during open enrollment each year from November 1st until December 15th. Short Term plans will not cover pre-existing conditions or medications you are currently taking.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance coverage for you.
(864) 868-5194
Six Mile, SC 29682
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