More Information on Health Insurance
What is it?
Health coverage helps protect you and your family from the high costs of health care. There are many options for you to choose from. We do small and large group insurance. If you are self-employed or a family member and not covered by a group plan, we have an individual or family plans for you.
An individual major medical plan provides coverage for hospitalization, doctor visits, medical supplies, and prescription drugs. Coverage, deductibles and premiums vary greatly from company to company. We work with several high-rated quality companies.
We also do short term major medical plans for those in between coverage or in college. You can customize your plan to your time frame and budget—select start date, length of coverage and a deductible amount.
Why do I need it?
No one plans to get sick or hurt, but it happens to most of us at one point in time, and health coverage helps pay for these costs.
What should I know about the Affordable Care Act (ACA)?
The ACA is very complex and applies differently to specific scenarios. We can help you navigate all the particular requirements of the ACA so that you find health coverage that's best for your situation.
What is a deductible?
The amount of money you pay toward medical bills before your insurance coverage begins
What is a co-pay?
A specified amount of money you pay up front for doctor visits and prescription refills.
What is coinsurance?
The percentage of medical bills you pay after meeting the deductible.
Contact us at Sumner Insurance Services to schedule your personal consultation to get a health insurance quote for your specific needs.