With the cost of healthcare on the rise and our healthcare system a navigational nightmare, you cannot afford to gamble with your health coverage. Let our experienced and educated Agents at Landmark Insurance & Financial Group help you find the right health coverage plan for you. Here at Landmark Insurance, we offer Health Insurance that includes:
- HSA (Health Savings Accounts)
- Christian Sharing Plans
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- POS (Point-of-Service)
- Temporary Health Insurance
- International Travel Insurance
No plan or coverage is the same, which is why it is important to discuss your needs with a health insurance expert who can help keep you, your spouse, and your children covered under the right plan at a reasonable price.
Why Speak with a Landmark Insurance Specialist?
A visit to the hospital, an x-ray, the doctor’s bill, additional tests, pain medication, and you could easily be looking at bills upwards of $20,000. Health Insurance for you and your family protects you financially in a couple of ways:
- Health Insurance can give you a sense of security just by having the knowledge that a sudden illness or serious injury will not drain your bank account or ruin your financial future; you will have coverage to help you pay for expensive doctor visits and treatments. Plus, you know that you can get the care that you and your family need when you need it.
- Health Insurance covers preventive services without you having to pay a deductible or a co-payment. These services are designed to prevent or catch other health problems from arising and leading to major illnesses.
- Health Insurance helps pay for prescription drugs, either through reduced fees or co-pays.
Choosing a health insurance plan and enrolling in it can be confusing and challenging. Let our experienced Health Insurance Specialists work with you to find the health coverage that fits your exact needs and the affordable protection you require with an individual or family health care plan. Call Landmark Insurance today and ask to speak with an Individual Health Care Specialist.
Words to Know:
Preventive Services – Most health plans must cover a set of preventive services –such as check- ups, shots and screening tests- at no cost to you. This includes plans available through the Health Insurance Marketplace. These services are free only when delivered by a doctor or other provider in your plan’s network.
Deductible – This is the amount you pay for covered health care services BEFORE your insurance plan starts to pay. For example: with a $2,000 deductible, you pay the first $2,000 of covered services yourself- after you pay the $2000 deductible, you usually pay only a copayment or coinsurance for covered services.
Co-Pay – This is a fixed amount that you pay for a covered health care service such as a Doctor’s Office Visit, after you’ve paid your deductible. For example, let’s say your health insurance plan’s allowable cost for a doctor’s office visit is $100. Your copayment for a doctor visit is $20, if you’ve paid your deductible. If you haven’t met your deductible: You pay $100, the full allowable amount for the visit.
Co-Insurance – This is the percentage of costs of a covered health care service such as a Doctor’s Office Visit where you pay (20%, for example) AFTER you’ve paid your deductible. Let’s say your health insurance plan’s allowed amount for an office visit is $100 and your coinsurance is 20%. If you have paid your deductible, you will pay 20% of $100, or $20. The insurance company pays the rest. If you haven’t met your deductible: You pay the full allowed amount, $100.
Brand Name Prescriptions – These are prescription drugs marketed with a specific brand name by the company that manufactures it, usually the company which develops and patents it.
Generic Prescriptions -A generic drug is identical -or bioequivalent -to a brand name drug in dosage form, safety, strength, route of administration, quality, performance characteristics and intended use. However, they are marketed without brand names and are generally less expensive than brand-name drugs, even though meet the same standards of the FDA (US Food and Drug Administration) for safety, purity and effectiveness. Generic drugs can be legally produced in the US if a patent has expired, or for drugs which have never been patented.
Formulary Prescriptions – A drug formulary is a list of prescription drugs, both generic and brand name, used by practitioners to identify drugs that offer the greatest overall value. A committee of physicians, nurse practitioners, and pharmacists maintain the formulary.
Non-formulary Prescriptions – Non-formulary drugs are usually not covered by your plan even if the doctor declares that it is medically necessary. You can still have a non-formulary medication filled, but you will have to pay the full price of the drug.
Need Health Insurance?
Here are a few links to some of our Carriers: