Health Insurance

Affordable Health Insurance

Our affordable premiums and wide coverage networks make healthcare services accessible and affordable. We take pride in offering our clients state of the art life coverage that keeps their loved ones covered under dire circumstances.

Our health insurance policies provide coverage for the entire family at highly affordable premiums. With our low-cost insurance coverage, you can avail the best medical facilities without busting a hole in your pocket.

Types of Health Insurance:

Exclusive Provider Organization (EPO)

Health Maintenance Organization (HMO)

Point of Service (POS)

Preferred Provider Organization (PPO)

EPO HMO POS PPO

A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).

A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.

A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.

A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

Health insurance which is also referred to as medical insurance or healthcare insurance covers a portion of the cost of a policyholder’s medical costs. How much the insurance covers and how much the policyholder pays via copays, deductibles, and coinsurance depends on the details of the policy itself, with specific rules and regulations that apply to some plans.

Our wide network of hospitals and clinics makes it convenient for our clients to get the healthcare they deserve, coupled with our quick claims processing, you are bound to get superior services under one roof.

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If you end up needing medical care without having health insurance, you can be left with humongous medical bills or even face situations in which medical providers refuse to treat you! Sounds scary but it’s a fact. Hospital emergency departments only guarantee screening and stabilization for the uninsured. Other than that, the provider is not obligated to treat you if your ability to pay for the care is in question. Some people fear the high out-of-pocket costs under the health plans but remember that having a health insurance card might make the difference between being able to obtain care or not.

Another thing to bear in mind is that you cannot just wait until a medical need arises before purchasing health insurance. Regardless of whether you’re buying your own coverage or enrolling in a plan offered by an employer, there’s an annual open enrollment period that applies, and enrollment outside of that window is limited to special enrollment periods triggered by qualifying events.