Alabama Health Insurance

Health Insurance, Pelham, AL

Finding individual health insurance for your family can be confusing. Our team will help guide you through the process to help you make the right choice for your family.

Get no-obligation health insurance quotes to compare plans.
Learn about short term insurance, temporary medical coverage to bridge gaps.
Lost your job or become self employed? Learn about COBRA health insurance.
Own a business - Understand health insurance options for the self-employed.
Sick? Facing pre-existing conditions? Learn about high-risk insurance pools.
Health Insurance
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Get all your questions answered about the health care changes and health care insurance as it pertains to you.

You buy Health Insurance for the same reason you buy other kinds of insurance: to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive.

You cannot predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have health insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.

Many people in the United States are enrolled in some sort of managed care health insurance plan. This is an organized way of both providing services and paying for them. Different types of managed care plans work differently and include preferred provider organizations (PPOs), health maintenance organizations (HMOs), point-of-service (POS) plans and fee-for-service plans.

Individuals enrolled in health care plans pay a monthly or quarterly fee as insurance for the time when they will need medical attention. At the time when a service is provided, the health insurance organization pays part or all of the fee, minimizing the amount you have to pay at the time you receive the service.

Here are some more kinds of medical insurance out there:

Types of Coverage Available

Most all plans will have some form of coverage that involves one of three types. There is the basic coverage, which covers emergencies, hospitalization, and some treatments and surgeries. Then, your major medical covers anything that is not covered in the basic plan. A policy that gives you comprehensive coverage will cover both your basic and major medical needs.

HMO's
An HMO, or Health Maintenance Organization, is a group of health care providers that have joined together. An important feature of this group is their emphasis on preventive medicine that includes physicals, regular office visits, mammograms, well baby care, and much more. A possible drawback is that there may be a limited number of providers in a specific geographic location. You must select a primary care physician as your main doctor, and referrals are necessary to see another doctor.

Fee For Service
This individual health insurance plan gives you the widest range of flexibility in that you can basically see anyone that you want - specialists, too - even if they are out of state. While it does cost a little more, the convenience may be worth it. The one limitation, though, is that the health insurance company will only pay for any procedure in accordance with what it would cost if it were performed in your geographical area - you pay anything extra.

PPO's
The Preferred Provider Organizations (PPO's) are a combination of the preceding two plans. They have a limited number of doctors and you must choose a primary care physician, but you have the liberty of visiting providers outside of the system. They can also provide some preventive medicine. There is often an annual deductible, and you may need to pay on each visit. They are a little cheaper than the fee for service, but you will also pay a higher percentage when you visit physicians that are out of the system.

Health Savings Accounts (HSA's)
Another option that you may want to consider, is to get your health insurance coverage with a Health Savings Account. By getting a high-deductible insurance policy, and by reducing the amount of your deductible, you will also lower your premiums. This allows you to put that amount, and more, into a savings plan that is tax-deductible. Any amount of money used toward your medical bills is also tax exempt, and counts toward the deductible of your insurance policy. You control the money, and can even use it toward other purposes if need be, but those amounts are not tax exempt.

Medicare
These government sponsored low cost health insurance programs provide benefits in proportion to the number of years of Medicare-covered employment that you had. Hospital insurance is free if you had more than 40 quarters of employment.

Group Insurance
This form of insurance is usually obtained through your place of employment. It is usually much cheaper because the employer will often pay some of the premium. This large and small business Health Insurance is available to groups of any size – even to a business of one in some states.

Long Term Care
Long term care deals with treatment, hospitalization, or illnesses that cover an extended period of time. Most private health insurance policies and Medicare does not provide reimbursement for this situation. Long-term care policies can be purchased separately.

High Risk Pool Insurance
This insurance is for those who have preexisting health conditions that prevents them from being issued a regular private health insurance policy. These are available alternatives but will have considerably higher premiums, and will often have a waiting period for any preexisting conditions.
In order to start your investigation of various health insurance plans and to get your free health insurance online quote, you can start here.

If you require coverage that is not listed above, please call our friendly professional agents for more details.

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Group Employee Benefits/Health Insurance Health Insurance (Individual) Individual Health Insurance Long Term International Health Insurance

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