The world of health insurance has changed dramatically in recent years. It is a very different landscape than it was just a few years ago. If your employer does not offer a group health insurance plan, then you are probably feeling a little overwhelmed with finding the right coverage.
BenTec Insurance Agency works with multiple insurance companies and can show you the differences in what each company has to offer, and the benefits included with each plan. Contact one of our health insurance specialists today.
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from BenTec Insurance Agency.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. BenTec Insurance Agency can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more about health insurance plans to fit your needs.
Types of Health Insurance
There are basically three major types of health insurance policies to choose from: consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.
A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.
Fee for Service
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.
Common Health Insurance Terms
When discussing health insurance with an agent, it helps to understand some of the common terms you’ll hear. Below you’ll find definitions to some of the most common health insurance terms.
- Deductible – The amount of money you pay toward medical bills before insurance coverage begins.
- Co-Pay – A specified amount of money you pay upfront for doctor visits and prescription refills.
- Coinsurance – The percentage of medical bills you pay after meeting the deductible.
Dental & Vision
Trying to find the health insurance plan that fits your need is hard enough, without having to look for all the add-on coverage such as dental insurance or vision insurance.
Let us help you find the right dental and vision insurance options for your needs. We work for you, and unlike working directly with an insurance company, BenTec Insurance Agency can help you compare plans from multiple companies and explain the differences and recommend the right plan for your situation.
Affordable Dental Insurance
Good dental hygiene and proper oral care have been linked to overall health in a number of studies. The right dental insurance can help you afford regular cleanings and critical dental care for yourself and your children. Most dental plans will provide routine cleanings at no extra charge, and some plans can help you choose the dentist that is right for you and your family. Since individuals with dental insurance are more than twice as likely to schedule regular dental checkups, can you afford not to purchase this important coverage?
Affordable Vision Insurance
Vision is one of the most precious gifts humans are given. We use our eyes to learn in school and to perform our jobs as well as to complete household tasks. If your employer doesn’t provide vision coverage for your entire family, consider the individual and family vision coverage options available through Hometown Insurance Agency. You can choose different coverage options based on your personal needs:
- Free or discounted routine checkups
- Free or discounted lenses
- Discounted frames
- Free or discounted corrective surgeries
Vision problems can be a source of chronic headaches. An inability to see well can cause problems at school and work. Protect your family’s vision today with a vision insurance package.
BenTec Insurance Agency, an independently owned and operated insurance company, exists to help find the right individual, family, or group coverage for your dental and vision needs.
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