Shawnee Kansas & Missouri Individual Health Insurance
With so many different options, deciding on the right Kansas or Missouri Health Insurance can be very confusing. But with the changing laws and the cost of healthcare on the rise, you can't afford to take chances with the health of you and your family members. If an accident or illness strikes, paying high medical costs out of your own pocket can be a financial disaster. If your employer does not offer an adequate health benefit package, or you are self employed, unemployed, retired, or a student, we can help you sort through the maze of different insurance options and find the right plan at a price you can afford. Even if you have group coverage at work, many companies charge exorbatant prices for other dependent coverage.
Green Mountain Insurance Agency will help you understand the different types of health insurance choices for you and your family. Although plans differ, they basically cover most medical, surgical, and hospital expenses and can cover prescription drugs. Some plans even offer preventive health care, immunizations, and dental coverage.
One more recent inovation in medical plans is know as a "DEFI NED BENEFIT" plans. For anyone who does not have a serious pre-existing condition this is a great solution. It works quite differently than major medical so it can be a little confusing at first. This is known as "first dollar coverage" which means it starts paying as soon as you start treatment. In other words, there are no high dollar deductibles, coinsurance or copayments. These plans have been around for many years but have more recently greatly enhanced their coverages. For example, on of the premier plans pays $6,000 a day for hospitalization - for up to 365 days PER YEAR. The plans have a full range of Inpatient and outpatient benefits. If you compare rates with major medical these plans are almost always less than 50% of the MM costs. They accept any licensed provider and have huge nationwide PPO providers.
Health Insurance options in Shawnee Kansas & Missouri
Most health care plans are some form of Managed Care. Managed Care policies include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point-Of-Service (POS). With every major carriers leaviing the marketplace there are few choices left and none offer a nationwide PPO. Not only are rates going up so significantly but the provider networks are continually shrinkiing.
EPO - Nearly all major medical plans are now EPO's, or exclusive provider organization. This means that you must use one of their few provider options that you have no coverage at all.
HMO - With HMO's all your health care services go through your primary care physician. You will need a referral before seeing specialists or other health care professionals. This usually means less paperwork and lower health care costs for everyone.
PPO - This plan offers more flexibility. You do not need a primary care physician and can go to any health care professional you chose although with staying inside the network you will have lower out-of-pocket costs.
POS - These plans combine some of the qualities of the HMO and PPO plans and the benefits levels may vary depending on whether you receive your care within the network of providers. Like with HMO plans you choose your primary care doctors and need referrals to network specialists when needed. Like PPO plans you may receive non-network care but with greater out-of-pocket costs.
Obtaining the right Kansas medical insurance coverage is crucial. If you prefer to have your care coordinated through your primary care doctor, an HMO plan might be the right choice for you. If you would prefer more flexibility with your medical care or see a lot of specialists, you might look into a PPO plan.
Our team of professionals at Green Mountain Insurance Agency can help you sort through all the options and help you choose the right Kansas health insurance plan for your specific needs.