Health Insurance

Individual and Family Health Insurance

Ensuring you and your family are protected with the right health insurance is key. It’s not just about affordable rates but also about having access to trusted healthcare providers for the services you all need. I am committed to guide you to the ideal individual and family health insurance plan that meets your unique needs.

Choosing a health insurance plan is a big decision. Beyond just the cost and the network of providers, here’s what else you should keep in mind:

Copay

This is the fixed amount you’ll pay for doctor visits or prescriptions. Some services, like preventative care and annual checkups, might not have a copay.

Deductible

This is what you pay out of pocket each year for eligible services and medications before your insurance starts to cover costs. If your deductible is $500, you’ll need to cover that amount first.

Coinsurance

After meeting your deductible, coinsurance is the percentage of costs you share with your insurance. For instance, if you have 20% coinsurance, you pay 20% of your medical expenses while your insurance covers the rest.

There are four main types: HMO, PPO, EPO, and POS. Each offers different benefits and costs. To find the perfect plan for you or your family, it’s crucial to know what each plan includes. Your Local Insurance Lady can be a great resource, helping you navigate your options to fit your needs and budget.

If there’s a doctor or hospital you prefer, make sure they’re in the plan’s network. Health insurance plans provide a list of in-network providers for you to check before making a decision.

The cost of your health insurance is influenced by several factors. Generally, higher monthly premiums mean a greater percentage of medical costs covered by your plan. I’m here to help you navigate these choices and find a plan that fits.

Individual Dental

Some health insurance plans offer the option to include dental insurance, which discounts a range of dental services. Review the benefits of a health insurance plan if you are interested in a plan that offers dental insurance coverage. You can also purchase a stand-alone dental insurance plan.

Many health insurance plans give you the choice to add dental insurance. However, If you’re keen on finding a plan that covers dental, it’s a good idea to take a closer look at what each plan offers. And just so you know, there’s also the option of buying a dental insurance plan on its own if that works better for you. 

We offer stand alone dental plans with a range of coverage of dental services Your Local Insurance lady is committed to find a plan that is best for you and your famiily for dental coverage. 

Our agency is proud to provide standalone dental plans, featuring comprehensive coverage for a variety of dental services. At Your Local Insurance Lady, we are dedicated to finding the perfect dental coverage plan tailored to meet the specific needs of you and your family. We understand the significance of maintaining oral health and are committed to offering plans that not only ensure access to necessary dental care but also fit within your budgetary constraints. Our goal is to facilitate the process of securing dental insurance, making it straightforward and hassle-free, so you can focus on the well-being of your family. 

Individual Vision

For those relying on glasses or contacts, investing in vision insurance can lead to great savings. It offers reduced prices for routine eye exams and vision wear. While included in some health policies, vision coverage might be absent in others. Opting for an independent vision insurance plan can considerably cut down your vision care expenses, covering eye exams, eyeglasses, frames, and contact lenses.

Hospital Indemnification 

Hospital indemnity insurance acts as a financial cushion for those moments when life takes an unexpected turn requiring hospitalization. This type of insurance provides a set cash benefit for each day you’re hospitalized, helping cover expenses that your regular health insurance might not, such as deductibles, copayments, and other out-of-pocket costs. It’s designed to ease the financial burden during hospital stays, allowing you to focus more on recovery and less on the financial stress of medical bills. This supplementary insurance can be a lifesaver for anyone looking for additional peace of mind in their healthcare coverage.