Health Insurance
Unfortunately, accidents, injuries, and illnesses are an inevitable part of life. Fortunately, health insurance can play an integral role in helping you recover from ailments, maintain your health and prevent issues in the first place. Still, health insurance can be a complicated subject that requires careful attention to detail and a comprehensive understanding of various options.
How Health Insurance Works
Like many types of insurance, your health plan establishes a contractual agreement between you and your insurance company. After making coverage selections, you pay regular (e.g., monthly or quarterly) premiums. In exchange for these payments, your insurer agrees to provide financial aid for various medical services and products included in your coverage.
Although the exact details of your policy may be unique, many health insurance policies can help you and your family access the following:
- Ambulatory services
- Hospitalization
- Emergency services
- Preventive and wellness services
- Pregnancy, maternity and newborn care
- Mental health and substance abuse disorder services
- Prescription medications
- Rehabilitative and habilitative services and devices
- Laboratory services
- Pediatric care
You should be aware that while pediatric dental and vision services may be included in policies, coverage for adults typically requires separate insurance.
Where to Buy Coverage
Health insurance may be available from several sources. Consider the following options and how the might address your needs and preferences:
- Group health insurance—Many people choose to get coverage through group health plans offered by their employers. This can often garner lower rates than you might find on the open marketplace due to risk spread among several parties.
- Individual health insurance—Finding an individual or family plan on the Health Insurance Marketplace might also be an attractive option, as you may find a plan tailored to your needs.
- Government-sponsored programs—In some cases, you might be eligible for publicly funded coverage options, such as Medicare and Medicaid.
We’re Here to Help
Contact Sanchez Insurance & More Services LLC to learn more about health coverage options and ensure you and your family have the right plan.