Health Insurance
Health insurance can provide essential financial protection by helping to pay for healthcare and medical costs, including treatment for serious medical conditions and routine check-ups. This coverage may reduce out-of-pocket expenses and provide you peace of mind.
The team at ISG Insurance , LLC in Clinton, Tennessee, can discuss health insurance options and help you secure the policy that best fits your needs. Contact us today to get started.
How Health Insurance Works
Health insurance functions similarly to other types of insurance. Individuals secure health coverage that best meets their needs through their employer, a government-run health insurance marketplace, or private insurers.
In exchange for a premium, the health insurance company agrees to cover a portion of your medical expenses which may include costs from doctor visits, hospital stays, preventive services, labs, surgeries, prescription drugs and other medical care.
Additionally, with health insurance, you’ll typically have access to a network of hospitals and medical practitioners (e.g., doctors) at a lower cost than you would have without health care coverage.
What Are My Health Insurance Options?
Many health insurance plans and supplementary coverage options are generally available, including:
- Individual plans
- Family plans.
- Group plans.
- Vision insurance
- Dental insurance.
- Prescription coverage.
- Health savings accounts (HSAs).
- Medical expense health insurance.
- Disability insurance.
- Supplemental insurance.
- Long-term care (LTC) insurance.
- Travel health insurance.
Other options may be available and our agents can discuss which coverages best fit your needs.
How Much Does Health Insurance Cost?
The cost of health insurance varies depending on several factors, including:
- The type of plan you choose (e.g., options may include preferred provider organizations or PPOs, health maintenance organizations or HMOs and high deductible health plans or HDHPs)
- If your employer pays part of the premium
- Your selected coverages
- Cost-sharing requirements of the policy, such as copays, deductibles and coinsurance
- The number of people on the policy and their ages and health risk factors
Other variables may also go into the calculation. Reach out to us today for a quote.
Contact Us Today to Get Health Insurance
ISG Insurance is ready to help you get the health insurance plan that is right for you. Contact us today to get started.