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Find Health Insurance That Works for You

What Is Health Insurance?

Health Insurance is designed to cover any medical accidents that may occur, such as illnesses or injuries.  It covers the high cost of medical expenses and the risk it poses to individuals and their families.  This type of insurance can either come through an employer, or be paid for on your own.  Health Insurance can either take care of whole or part of the risk that medical expenses may cause, depending on the coverage a person has.

Why You Might Need It

Although they are unexpected, medical events do happen, and you want to make sure you are protected in case they do.  The cost of those events can be extremely expensive.  In fact, they are one of the top causes of bankruptcy in the U.S.  Health Insurance is there to make sure that the financial burden is covered in case something happens to you.  Health Insurance can also provide access to a wider variety of doctors and professionals, and make it easier for you to make and track payments quickly.  Find out how McCamon-Hunt’s Health coverage can provide peace of mind for you and your family today.

Types of Health Plans

Preferred Provider Organization

Also known as a PPO, this is a type of managed care health insurance that provides both In-Network and Out-of-Network Benefits. The benefits are maximized by staying within the Preferred Network.

Health Maintenance Organization

Also known as HMO, this is another form of managed care plan that typically only provides coverage for using providers within the Network. These plans usually require a Primary Care Physician who typically refers you for care to specialists in the network. Typically, there is no coverage outside of emergency situations for Non-Network services.

Long Term Care

Unfortunately some people suffer from physical or mental illness, old age, or injury. Some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These actions are called Activities of Daily Living (ADLs). In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are in need of “long term care”. Long term care can be temporary, some people might only need a few months or less. 

Dental

Dental insurance is rather unique. First, its low cost makes it highly affordable for individuals and families. Second, because dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately. Finally, the price of maintaining a healthy mouth can cost hundreds … even thousands of dollars. Should you ever need costly care, from fillings and crowns to periodontics and orthodontics, your dental insurance will be there to provide benefits when needed. So, if you buy dental insurance, you will probably use it. Also, like millions of Americans who have protection, you’ll probably be glad you did it.