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Health Insurance
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What types of health insurance are there?
There are many types of health insurance. For individuals, the most common are Fee-for-Service and Managed Care. They both cover an array of medical, surgical, and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
Fee-for-Service.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Managed Care.
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs), and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
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Health Insurance (Off-Exchange)
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Individual Health Insurance can be purchased without going through the Insurance Exchange (MNSURE). We help you determine which insurance plan best fits your personal needs. As an independent insurance agency, we have access to the leading insurance companies in our state.
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Health Insurance through (MNSURE)
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MNSURE is the state-run Insurance Exchange for MA, MNCARE and Subsidized Health Insurance premiums. As MNSURE Certified Agents, we are able to assist you in selecting the insurance plan that meets your needs.
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Short Term Medical Insurance
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If you are unable to apply for qualified health insurance outside of the Annual Enrollment Period, Short Term Medical Insurance may be your answer.
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International Medical Insuarance
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When traveling abroad, you may need additional health insurance coverage that your regular health insurance policy does not cover.
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Healthcare Services Price Transparency
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