Coverage for Your Health and Peace of Mind
Flexible health insurance solutions that help you access quality care, manage costs, and protect your financial well-being.
Common Health Insurance Plan Types
HMO
Health Maintenance Organization — lower premiums and out-of-pocket costs, but requires using in-network providers and referrals for specialists.
PPO
Preferred Provider Organization — more flexibility to see doctors both in and out of the network, without referrals.
EPO
Exclusive Provider Organization — lower-cost option that requires using in-network providers but does not require referrals.
HDHP
High-Deductible Health Plan — often paired with a Health Savings Account, allowing you to save pre-tax dollars for qualified medical expenses.
Core Health Insurance Coverages
Doctor Visits & Preventive Care
Covers routine checkups, annual physicals, vaccinations, and preventive screenings to help you stay healthy.
Hospitalization
Pays for inpatient care, including hospital stays, surgeries, and related services.
Prescription Drug Coverage
Helps cover the cost of prescription medications, often at discounted rates depending on the plan.
Emergency Services
Covers emergency room visits and urgent care services for sudden illnesses or injuries.
Mental Health & Behavioral Health Services
Includes coverage for mental health counseling and behavioral health treatment, as required by most plans.
Maternity & Newborn Care
Provides coverage for pregnancy-related care, delivery, and newborn services.
Recommended Add-On Coverages
Dental Insurance
Covers routine cleanings, exams, and many dental procedures.
Vision Insurance
Helps pay for eye exams, glasses, and contact lenses.
Health Savings Account
A tax-advantaged savings account that can be used to pay for qualified medical expenses when paired with an HDHP.
Critical Illness Insurance
Provides a lump-sum payment if diagnosed with a covered serious illness.
Accident Insurance
Pays cash benefits for covered injuries resulting from accidents.
Money-Saving Discounts
- Premium Tax Credits & SubsidiesMany individuals and families may qualify for financial assistance to lower monthly premiums.
- Family PlansOften more affordable than purchasing individual plans separately.
- Wellness IncentivesSome plans offer rewards for preventive care or healthy habits.
- Pay-In-Full or Auto-Pay DiscountsCertain carriers offer savings for automatic payments or paying premiums on time.