Health Insurance

from RightSure Insurance Group

Health Insurance

Having a healthy body can increase your quality of life. Having the right health insurance policy is a great way to ensure that you can maintain your healthy body. RightSure Insurance has worked hard to help customers find the health insurance that is best for them, for many years.

Medical procedures and treatments in our day and age are not cheap. Without having health insurance you may end up having to pay off your medical bills for the rest of your life. RightSure Insurance can help you sift through health insurance policies and choose the health care plan that is right for you.  Contact one of our knowledgeable agents today to learn more about what your options are.

Types of Health Insurance in Arizona

Life insurance can be divided into three different types,  health insurance policies range from consumer-directed, fee for service, and managed care policies. There are health insurance plans that will enable you to cover your medical, surgical and hospital expenses. Some health insurance policies will even cover dental expenses, mental health services or prescription drugs.

  • Consumer-directed

    This type of health plan is also called a consumer-drive or consumer choice plan. This healthcare is a newer type of healthcare plan that has been designed to give the consumer more control. The consumer sets up a health fund that is then used to cover medical expenses.

  • Fee for Service

    This type of plan is a more traditional healthcare plan that will require the consumer to pay a fee to the provider for each healthcare service that is rendered. This type of plan will provide a lot of flexibility for the consumer when the consumer wants to choose a physician or a healthcare provider. 

  • Managed Care

    The consumers that purchase a managed care health plan will usually enjoy the benefits of lower out-of-pocket costs. The consumer can only receive treatment from the physicians that are a part of the managed care network. Some of the most common managed care plans are health management organizations (HMOs), preferred provider organizations (PPOs) and point-of service (POS) plans.

Common Health Insurance Terms

As you are discussing your health insurance options with an agent, you should understand some of the most common terms associated with health insurance. Below are some basic definitions that may help you navigate the waters of choosing a new health insurance plan.

  • Deductible - Is the money that you pay towards your medical bills before your insurance steps in and provides coverage.
  • Co-pay - Money that you pay upfront for the doctors visits and prescription refills.
  • Coinsurance - The specific percentage of your medical bills that you are required to cover after meeting your deductible.

To learn more about the health insurance policies, call and talk with one of our agents today. We will help you secure the health insurance that provides you security for your future.