Personal Health Insurance
What is Individual Health Insurance?
Health insurance is important for you and members of your family. Insurance helps to protect you from high health care costs, especially those related to chronic medical conditions or the need for hospitalization. Health insurance can be very confusing. There are many different health plan options and each state has different rules and regulations. Understanding your insurance will help you avoid unexpected costs and hassles. When choosing a plan, you should consider how much you spent on past premiums, co-payments, coinsurance, and prescription drugs.
What is typical Health Insurance Coverage
Managed-care plans typically cover a wide range of health services such as preventive care and immunizations for adults and children, general checkups, diagnosis, and treatment of illness (including necessary tests, doctors' visits, prescription medications, and hospital care).
Major medical health insurance covers the expenses associated with serious illness or hospitalization. Major medical plans usually have a set amount, or deductible, for which the patient is responsible. Once that is paid, the plan covers most of the remaining cost of care.
Short Term Medical is temporary health insurance for individuals under age 65 looking for coverage for themselves or their families during life's many transitions.
A high deductible health plan is a plan with an annual deductible that is higher than the deductible in more traditional health plans. The term "high deductible health plan" is almost always used in the context of health savings accounts (HSAs).
Temporary health insurance sometimes referred to as “short-term health insurance,” was designed to provide coverage for up to 12 months (Although most plans only offer coverage up to 6 months).
This insurance helps protect you from drivers who do not have enough insurance to cover the costs of an accident.
Major medical insurance is coverage in excess of that provided by a basic hospital. After the limits of coverage have been exhausted under a basic plan, major medical then covers medical expenses relating to room and board
Managed care plans typically cover a wide range of health services such as preventive care and immunizations for adults and children, general checkups, diagnosis and treatment of illness (including necessary tests, doctors' visits, prescription medications, and hospital care).
We Can Help With all of Your Health Insurance Needs
With The Batten Agency, you get professional, highly trained personnel. The Batten Agency is associated with many preferred insurance companies and will match your health insurance needs to the best policies available. When you choose The Batten Agency, Inc., you choose professional, highly trained personnel. We're constantly researching and training to stay abreast of product availability and market conditions.
