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Why Have Health Insurance?

Health insurance helps pay for many medically necessary services. Because medical services can be very expensive, most people want health insurance to help them get adequate medical treatment when they need it and to help them pay for it. There are many types of health-insurance policies that provide various benefits at differing costs.

When looking at your individual and family health insurance needs there are many different options out there. One of the first decisions that should be made is what style of plan fits your needs. Below is a list of different plan options and links to descriptions of each. Once you have an idea of the plan you want please click the Get A Quote link at left

Managed Care Plans

Managed care has been around in one form or another since the 1930s, but it really took off in the last 10 years. As it grew, it evolved, leaving us with three basic types of managed care plans. Today, the majority of people with private health insurance have some type of managed care.

All managed care plans involve an arrangement between the insurer and a selected network of health care providers, and they offer policyholders significant financial incentives to use the providers in that network.

There are usually explicit standards for selecting providers and a formal procedure to assure quality care.


Provider Directories, Plan Summary of Benefits, RX Formulary Lists, and Applications

Individual and Family Health Insurance 101

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