Health Insurance Information
Health insurance is coverage that provides financial support for your health care costs in exchange for a monthly premium. The kind of health insurance you need and the coverage you need will depend on your health care needs. At Lakenan Insurance, we’re here to assist you with navigating health insurance so you can be best protected when you need it most.
What Is Health Insurance?
Health insurance can help cover the costs of medical and surgical expenses. You pay the insurer a regular premium in exchange for such coverage. Many health plans have cost-sharing requirements, such as copays, deductibles, and network requirements that may dictate what is covered under your plan.
What Health Insurance Options Available?
Several health insurance plans are available to you as well as additional coverage options for necessary health care services, including:
- Individual and family plans
- Including various plan designs, such as preferred provider organizations, health maintenance organizations, and high deductible health plans
- Group health insurance plans
- Vision insurance
- Dental insurance
- Prescription insurance
- Health savings accounts (HSAs)
- Disability insurance
- Supplemental insurance
- Long-term care (LTC) insurance
- Travel health insurance
- Hospital indemnity insurance
Our agents can help you determine your health care coverage and recommend coverages that fit your budget.
How Much Does Health Insurance Cost?
The cost of health insurance varies depending on the plan you choose, whether your employer pays part of the premium costs and whether you qualify for discounts on your premiums. Other factors considered include your location, the number of people you want to insure, their ages and health risk factors when calculating premiums.
Discuss your factors with an agent to determine what your premium will be.
Get Started with Health Insurance
Our agents at Lakenan Insurance are prepared with detailed experience in health care and accommodating to your needs. Health insurance is one of the most crucial coverage options you can obtain, be sure to reach out to an agent for further information or to get started today.