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Choosing a quality health insurance plan is one of the most important decisions you will make for you and your family. With so many options available it can be a challenge to understand your options and choose a plan on your own. We are here to educate you and answer your questions so that you will be equipped to make a valuable decision with confidence that you have chosen a plan that best fits your needs.

Whether you are looking for comprehensive health coverage, have a short term need or would like to put together a saving/investment option that can be used for future medical expenses, HealthCare Specialists has your health insurance solution.

Types of Individual Plans:

Preferred Provider Organization (PPO)
In/Out of network plans with Co-pays for specific services, a choice of annual Deductibles and Co-insurance for major medical services, and Riders available for additional services.

Health Savings Account (HSA)
IRS qualified high deductible health plans that help lower monthly premiums while allowing you to save tax free dollars for future qualified medical expenses. These qualified high deductible plans can and should be paired with an HSA bank account. HSA’s are an affordable tax advantage solution allowing you to better plan and manage your qualified health care expenses. In most cases fund contributions to your HSA are tax deductible and roll over year after year (limits may apply).

Short Option (Major Medical Coverage)
This is a vital product for individuals needing short term health insurance. Such as, people between jobs, employees serving eligibility waiting periods and college students. Plan options are usually for 30, 60 and 90 days and cover major medical services with some limitations.

Important Terms:

  • Premium: The amount the policy-holder pays to the insurer each month to purchase health coverage.

  • Deductible: The amount that the insured must pay out-of-pocket before the health insurer starts to pay. Typically applies to major diagnostic and medical services.

  • Co-payment: A flat-dollar amount the insured pays out of pocket for covered services. A co-payment is generally paid each time a particular service is obtained, such as a doctor visit or prescription drugs.

  • Coinsurance: a percentage of allowable charges the insured pays for covered services.

  • Out-of-pocket maximums: The maximum amount the insured is responsible to pay out of pocket annually for covered services. Once this amount has been met the insurer pays all further in-network covered costs for the remainder of the benefit year.

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