Professional interaction in an office setting: a friendly man in a white lab coat seated at a desk, smiling while holding a clipboard with a document, likely containing important information. Across from him, a woman in a gray business suit is engaged in the conversation, examining the document or preparing to write on it. The well-organized office features a bookshelf filled with colorful folders, adding to the professional ambiance. A laptop is positioned on the desk, suggesting a modern workspace. The overall atmosphere conveys professionalism, trust, and collaboration, possibly indicating a discussion about health or insurance-related matters.

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Group Health Insurance - Employee centric coverage

Group health insurance offers comprehensive coverage for employees, providing affordable medical benefits for individuals and their families through their workplace.

Set of wooden figures representing a family or group of people gathered together under a large red umbrella. The figures vary in size, with a taller figure likely representing an adult and smaller ones symbolizing children. The red umbrella provides protective cover, symbolizing safety, security, and care. The simple design of the wooden figures emphasizes unity and togetherness. Overall, the composition conveys themes of protection, support, and security, often associated with insurance or family care, highlighting the importance of safeguarding loved ones.
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    Plan types

    Group Health Insurance offers various plan types to cater to different needs and preferences, allowing employers to provide comprehensive health coverage for their employees.

    • Health Maintenance Organization - Lower costs with network-based care and preventive services.
    • Preferred Provider Organization - Flexibility to see any provider, with savings within a preferred network.
    • Exclusive Provider Organization - Network-focused, often with lower premiums. High-Deductible Health Plan -Paired with Health Savings Accounts (HSAs), ideal for those who want to save on premiums and build savings for medical expenses.
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    Best for

    • Employers seeking to provide quality health benefits to their workforce.
    • Organizations aiming to enhance job satisfaction and retain top talent.
    • Companies focused on supporting the overall well-being of their employees.

Individual Health Insurance - Personalized plans

Individual health insurance offers customized coverage for you and your family, ensuring you get the medical benefits that best meet your needs.

Stack of five wooden blocks arranged vertically, with a blue block at the top featuring a white plus sign, symbolizing health or medical care. Below it, a block illustrates a stethoscope, representing the medical profession. The next block displays a heart with a heartbeat line, indicating health and vitality. Below that, a block shows a syringe, suggesting vaccinations or medical procedures, while the bottom block features a pill bottle, symbolizing medication or pharmaceutical care. This composition highlights themes of health, medical care, and wellness, using simple yet effective icons to convey the importance of health services and support, with a clean design that makes the message clear and accessible.
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    Types of Long Term Care Insurance

    Individual Health Insurance offers options like catastrophic, major medical, short-term and HSA-eligible plans to suit your healthcare needs and budget.

    • Catastrophic Insurance - High-deductible, low-cost plans for major medical events.
    • Major Medical Insurance - Comprehensive, covering doctor visits, hospital stays and prescriptions.
    • Short Term Insurance - Temporary plans for interim coverage needs.
    • HSA Eligible Plans - High-deductible plans allowing tax-advantaged savings for healthcare costs.
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    Best for

    • Ideal for self-employed individuals in need of flexible health coverage.
    • Perfect for families looking for comprehensive, standalone health plans.
    • A great option for retirees or anyone seeking independent health insurance.

Medicare and Medicare Supplement Plan - Filling the gaps

Medicare and Medicare Supplement plans help cover healthcare costs for seniors that are not fully paid by original Medicare, ensuring complete coverage and peace of mind.

Small shopping cart filled with various medical and health-related items, including a blister pack of green and white tablets, several bottles (a larger white container, a blue bottle, and a spray bottle), a digital thermometer with a pointed end visible, and a pack of pills with yellow capsules. The metallic cart features blue accents on the handles, creating a modern and clean look. The items suggest a focus on health, wellness, and medication, implying their importance for personal care and health management. Overall, the composition emphasizes the theme of health shopping or preparing for medical needs.
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    Plan types

    Medicare and Medicare Supplement Plans provide essential healthcare coverage for seniors, with Medicare covering basic services and Supplement Plans filling in gaps for additional care and expenses.

    • Original Medicare - Covers hospital and medical services but has out-of-pocket limits.
    • Medicare Advantage - Combines Parts A, B and often D, adding benefits like vision and dental.
    • Medigap Plans - Fills gaps in Medicare, covering copayments, deductibles and coinsurance.
    • Prescription Drug Coverage - Standalone prescription drug coverage for those with Original Medicare.
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    Best for

    • Designed for seniors seeking enhanced health coverage options.
    • Ideal for those looking for financial predictability in healthcare expenses.
    • Perfect for individuals wanting additional benefits beyond Original Medicare.
Clear glass jar filled with coins symbolizing savings and investment, with a small green plant emerging from the center, representing growth and renewal. The contrast between the metallic coins and vibrant green leaves conveys a powerful message about the potential for financial investment to yield positive, life-enhancing returns. This composition combines themes of prosperity, sustainability, and nurturing financial resources for future growth.

Get started with Health Insurance

Choosing health insurance can be complex, but we’re here to make it simple. Explore options suited to your stage of life, health needs and financial goals.

Frequently Asked Questions

Your health, your security

Find the information you need to make informed Health Insurance choices

Group health insurance is usually employer-provided and more affordable due to shared risk, while individual plans are self-purchased and tailored to personal needs.

Medigap plans cover out-of-pocket expenses like copays, coinsurance and deductibles not fully covered by Original Medicare.

Yes, you can if you experience a qualifying life event, such as marriage, job loss or relocation, which triggers a Special Enrollment Period.

HMO (Health Maintenance Organization) plans require you to choose a primary care physician and get referrals for specialists, while PPO (Preferred Provider Organization) plans offer more flexibility to see specialists without a referral and allow you to visit out-of-network providers at a higher cost.

You can lower premiums by increasing your deductible, choosing a plan with fewer covered benefits, or utilizing preventive care. Additionally, checking if you qualify for government assistance programs like Medicaid or subsidies through the marketplace can help reduce costs.

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