Health Insurance

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It is almost impossible to live without health insurance these days. With the rising costs of health care, some people are finding it difficult to find affordable coverage. Whether your employer does not offer health coverage, or you are self employed, you may find yourself in a position where you need to seek your own health insurance policy.

Health insurance policies most often provide coverage for:

  • Doctors visits
  • Prescriptions
  • Medical Testing
  • Specialized care
  • Surgical procedures

Although every health insurance policy is different, typically you can work with your insurance agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation AND the health of you and your family members when creating a health insurance policy. Most insurance agents can offer you two types of health care coverage:

  • Indemnity Plans (or Fee-for services plans)
    • Cafeteria/Flexible Spending Plans
    • Indemnity Health Plans
    • Basic & Essential Health Plans
    • High Deductible Health Plans (HDHP)
    • Health Savings Accounts (HSA)
  • Managed Care Plans
    • Health Maintenance Organizations (HMOs)
    • Preferred Provider Organizations (PPO)

Your insurance agent may also provide Medicare supplements, long term care, income protection, etc. Contact Smith Bros-McAndrews Ins Agency Inc today for a free health insurance quote and more information on all of the policy options we offer.