Health Insurance Agency

There are 44 million Americans who are uninsured and another 38 million are under insured. If you are one of these millions of people without adequate protection, now is the time for you to seriously consider getting a health insurance policy. At Insurance Agency, we will help you create an individualized health insurance policy that offers the right set of coverage for all your needs. We pride ourselves for offering our professional expertise in choosing a policy that is priced as affordable as possible.

Why Choose Our Agency Health Insurance?

Insurance Agency is your go-to health insurance agency that provides easy access to quality health insurance policies that address all your unique health requirements. If this is your first time to shop for health insurance for yourself or your family, we will work hard to provide you with full understanding about the type of healthcare you can obtain, level of risks, and your family’s health care needs. Our expertly trained and knowledgeable health insurance agents will guide you through the process of choosing between various health insurance plans, as well as supplemental policies that are crucial to enhance your overall quality of life.

Our friendly and dependable Frisco health insurance brokers at Insurance Agency, we are focused on giving you the best health insurance options on the market. We collect health insurance quotes from top-tier private health insurance carriers for later comparison, so that we can deliver a policy that provides ample protection for you and your family. When you work with any of our licensed insurance brokers, you receive one-on-one support and guidance from start to finish. At Insurance Agency, we represent you and not a single insurance provider, therefore our main objective is to offer you policies that are within your budget.

Our Insurance Agency Health Insurance Services

Here at Insurance Agency, we understand how challenging it is to buy private health insurance for the first time. To guarantee that you are getting a comprehensive and the best insurance estimates, supplemental coverage’s may be added to your affordable health insurance plan. Here are the most common health insurance plan types that you can choose from:

Major Medical Insurance – This type of policy covers a wide range of services including those incurred in and out of the hospital. Also known as real insurance, this health insurance plan offer the following benefits: hospitalization, surgical procedures, emergency treatments, prescription medication, outpatient procedures, laboratory services, preventive care checkups, ambulatory care, pediatric services, maternity and newborn care, and mental health services.

MANAGED CARE PLANS are health insurance policies that ensure coverage by an insurer with a select network of healthcare providers. Here are the following types of managed care plans:

  • Exclusive Provider Organization (EPO) – the services are to be sought from a network of physicians under a predetermined network of healthcare providers except in the case of emergency. It’s ideal for small businesses with employees who find value dealing with a smaller network of providers or those who can shoulder higher costs of unplanned visits.
  • Health Maintenance Organization (HMO) – is a health insurance plan that offers policy holders with a local network of hospitals, doctors, and other healthcare professionals to choose from. To be eligible for coverage, a policy holder needs to either liver or working within a service area. This type of insurance is known to have lower copays and coinsurance as long as you decide to obtain services within the network.
  • Point of Service (POS) – This insurance policy showcases features from HMO and PPO plans. It has a smaller network of providers than a PPO and lower copays similar to HMOs. Members are required to choose a primary care professional (PCP) within the network which will then provide referrals to a specialist if needed.
  • Preferred Provider Organization (PPO) – This policy offers a larger network of providers, so policy holders enjoy a wider selection of hospitals, doctors, and healthcare professionals to choose from. Policy holders may seek the services of providers outside the network but will mean higher out of-of-pocket costs. You may see specialists outside of the network without referral from a primary care professional.

Short Term Health Insurance – Short Term Medical insurance provides a temporary solution to help in filling coverage gaps. This is the perfect option for people in between jobs and those who are waiting for their standard policy to kick in as it minimizes the expenses of unexpected medical bills.

Indemnity Health Insurance – Indemnity Health Insurance is known as fee-for-service policies as predetermined percentages of costs are paid to the member for covered services only. A policy holder will be solely responsible for paying deductibles and coinsurance amounts. This is an excellent solution for businesses that have employees who need a higher level of flexibility in terms of selection in hospitals and healthcare workers.

Critical Illness Insurance – Adding critical insurance plan saves policy holders money as it provides coverage for certain critical illness. As some illnesses require extensive medical treatment that may exhaust the coverage from your primary health insurance policy, critical illness coverage steps in to take care of additional medical expenses. Some disease-specific critical care plans are cancer insurance, heart attack insurance, stroke insurance, and major organ transplant insurance to name a few.

Accident Health Insurance – Accident Health Insurance is a cheap health insurance policy that offers reimbursements for medical expenses as a result of accident. In the case of death, benefits will be paid to your beneficiaries. It also presents massive payouts to policy holders who become disabled due to a covered accident.

Vision Insurance – Vision Insurance offers preventive care for your eyes and prescription glasses- items that are not covered by traditional life insurance policies. Treatments that are included on the list and are adequately covered are Lasik among many others.

Dental Insurance – Dental Insurance is a supplemental policy provides essential coverage for policy holders under the Affordable Care Act plan. It lowers out-of-pocket payments for standard non-dental treatments including X-ray, diagnostic & preventive oral exams, and cleaning. There are also dental insurance policies that offer extended coverage for orthodontics, teeth whitening and dental implants.

Hospital Indemnity Insurance – Hospital Indemnity Insurance is supplemental health insurance guarantees daily, weekly, or monthly cash payouts during extended hospitalization. The cash benefit helps in reducing expenses in addition to any other insurance a policy owner has.

Metal Gap Insurance – Another supplemental health insurance plan as its main function is to complement your existing health plan in the case of a covered accident or illness. This is an ideal insurance product for those with lower premiums but higher deductibles and out-of-pocket expenses.

Why Hire Insurance Agency for Health Insurance Coverage?

Insurance Agency recognizes the value of health as an asset. Our professional health insurance assistance will help protect your health but also safeguard your financial capacity in the long run. Our licensed health insurance brokers will find new ways to get cheap health insurance in the following areas: Frisco, Prosper, Plano, McKinney, Allen, Princeton, Nevada, Melissa, Blue Ridge, Lucas, Weston, Anna, Murphy, New Hope, West Minster, Parker, Lavon, Farmersville, Saint Paul, and Lowry Crossing.

Call Insurance Agency today and we give you peace of mind and less worries about your health because we will help you in getting thoroughly covered.