A healthy body is a happy body, and thereâ€™s no better way to preserve your health and your familyâ€™s health than with a health insurance policy from Alabama Insurance Agency.
Letâ€™s face it, medical treatments arenâ€™t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Alabama Insurance Agency can help you find an affordable healthcare plan thatâ€™s right for you. Contact one of our friendly agents today to learn more.
There are basically three major types of Alabama health insurance policies to choose from: consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.
A consumer-directed health plan (a.k.a. â€œconsumer-drivenâ€ or â€œconsumer choiceâ€) is a newer type of healthcare plan thatâ€™s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.
When discussing health insurance with an agent, it helps to understand some of the common terms youâ€™ll hear. Below youâ€™ll find definitions to some of the most common health insurance terms.
To learn more about Alabama health insurance, call and talk with one of our agents today. Weâ€™ll guide you toward a more secure future.
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