What is Health Insurance?

Health Insurance is a contract, It is an agreement between the health insurance company and the insured that protects and maintains the health of the individuals listed on the policy.

There are 4 moving parts to a health insurance policy.

  • Co-Pays
  • Deductibles
  • Co-Insurance
  • Out of Pocket Maximums

Depending on the company and policy you decide to invest into, the contract comes with a variety of health benefits. Doctors’ office visits, prescription, emergency room, hospitalization, and even surgery can be purchased in the form of benefits under terms of co-payments and co-insurance.

Some plans come with co-payments for doctors’ office visits, prescriptions, and lab work before the satisfaction of a deductible, other plans such as Catastrophic plans obligate satisfactions of deductible before co-payments and coinsurance apply.

Health Insurance Options

Understanding your coverage and knowing your options is key to choosing the right health insurance!

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