Compare Lowest 2021 Health Plans In Your Area
Who we are:
We are health insurance agents specializing in individuals, families, and small businesses. As licensed agents we work nationwide to help you find affordable coverage and real benefits.
Our agents are experts in the industry and can guide you find what is best for your particular situation:
Bilingual Insurance Agents
We Speak Spanish (Hablamos Español) & Are Able To Communicate With A Diverse Clientele
Objective Plan Selection
Our Agents Don’t Have Bias Towards Certain Plans & Are Able To Help You Select The Plan That’s Truly Best For Your Needs
Personalized Customer Service
Get The Individualized Attention Of A Small, Elite Team Of Health Insurance Plan Advisors
What do we do for you?
We Make it Easy to Save
When you talk directly to an agent, you will be asked a few questions
What is a Copay:
Your annual deductible is typically the amount of money that you, as a member, pay out of pocket each year for allowed amounts for covered medical care before your health plan begins to pay. This excludes certain preventive services that may be automatically covered. Deductibles can be high or low, depending on your plan, and that may affect how you pay for health care costs.
Copays are a fixed fee you pay when you receive covered care like an office visit or pick-up prescription drugs.
What is Max out or Pocket:
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
What is Coinsurance and how does it work?
he percentage of costs of a covered health care service 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%.
Example of coinsurance with high medical costs
Let’s say the following amounts apply to your plan and you need a lot of treatment for a serious condition. Allowable costs are $12,000.
You’d pay all of the first $3,000 (your deductible).
So your total out-of-pocket costs would be $4,800 — your $3,000 deductible plus your $1,800 coinsurance.
If your total out-of-pocket costs reach $6,850, you’d pay only that amount, including your deductible and coinsurance. The insurance company would pay for all covered services for the rest of your plan year.