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Finding health insurance for an individual or family can be a daunting task.  With all of the changes happening in the health insurance industry, laws regulating health insurance, and the government’s influence on health insurance, you can trust First Family Insurance to guide you into the right health insurance plan that meets your individual needs and your family’s budget.

More than just a Health Insurance Quote

First Family Insurance doesn’t just provide options for affordable health insurance plans — we’re a one-stop shop for overall health. Our available product offerings through the nations top carriers encompass coverage and discounts for labs, pharmacies, primary care physician offices, radiology, and extended hours care centers (urgent care). We are attentive to every detail when it comes to your insurance, health, and wellness needs, and we aim to provide service you can count on.

 

Getting your free quote starts right here! Simply enter your information to receive health insurance coverage and pricing information. If you need assistance, speak with a licensed health insurance agent at 1-800-327-5579.

Nvajicia is the best employee/agent. Her customer service skills was above and beyond what I expected

Terry Cobb Avatar Terry Cobb
7/14/2017

Excellent experience with Sherri Harris. Very knowledgeable and informative. Quick response to checking on in network providers.

Essential Journey Avatar Essential Journey
7/30/2017

The lady I talked to was so helping. She answered all our questions an was able to get us... read more

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11/22/2017

Common Health Insurance Questions

What is Health Insurance?

Health insurance helps you pay for medical services. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses–usually a certain dollar amount or percentage of the expenses.

How do I obtain Health Insurance?

You can get health care coverage through:

  • A health insurance plan purchased from First Family Insurance
  • A group insurance plan at your job, your spouse, or partner’s job
  • Your parents’ health insurance plan, if you are under 26 years old
  • Government programs such as Medicare, Medicaid, or Children’s Health Insurance Program (CHIP)
  • The Veterans Administration or TRICARE for military personnel
  • Your state, if it provides a health insurance plan
  • Continuing employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act (COBRA)

There are many way to acquire health insurance, no matter the time of year. Before buying health insurance, speak with an agent licensed in your state.

What types of Health Insurance plans are available?

When buying health insurance, your choices typically fall into one of three categories:

  • Traditional fee-for-service health insurance plans are usually the most expensive choice, but they offer you the most flexibility in choosing health care providers.
  • Health maintenance organizations (HMOs) offer lower co-payments and cover the costs of more preventive care, but your choice of health care providers is limited to those who are part of the plan.
  • Preferred provider organizations (PPOs) offer lower co-payments like HMOs but give you more flexibility in selecting a provider.

As your specific needs are individual to you, buy the health insurance that makes the most sense for you and your needs.

Choosing a Health Insurance Plan

Speak to one of our licensed health insurance agents and ask questions, such as:

  • Do I have the right to go to any doctor, hospital, clinic, or pharmacy I choose?
  • Are specialists, such as eye doctors and dentists, covered?
  • Does the plan cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?
  • Does the plan cover home care or nursing home care?
  • Deductibles are the amount you must pay before your insurance company will pay a claim. These differ from co-payments, which are the amount of money you pay when you receive medical services.
  • What is the most I will have to pay out of my own pocket to cover expenses?
  • If there is a dispute about a bill or service, how is it handled?

The most questions you ask, the more informed you’ll be. Working with an experienced agent will make the difference between coverage that just works, and coverage that meets your needs.

What is COBRA?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to choose to continue group health coverage provided by their group health plan for limited periods of time.

There are three basic requirements that must be met for you to be entitled to elect COBRA continuation coverage:

  • Your group health plan must be covered by COBRA
  • A qualifying event must occur (for example, voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, or divorce)
  • You must be a qualified beneficiary for that event

If you are entitled to elect COBRA continuation coverage, you must be given an election period of at least 60 days to choose whether or not to elect continuation coverage.

To Get COBRA

Under COBRA, group health plans must provide covered employees and their families with a notice explaining their COBRA rights. Plans must also have rules for how COBRA continuation coverage is offered, how qualified beneficiaries may elect continuation coverage, and when it can be terminated. COBRA is usually more expensive and the consumer could take on additional fees associated with this type of coverage.

What is Long-Term Care (LTC)?

Long-term care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities.

Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. You should consider the cost of long-term care insurance as you plan for retirement.

These questions can help you evaluate long-term care insurance policies.

What qualifies you for benefits?
Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet, and remaining continent.

What type of care is covered?
Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?

What will the benefits amount be?
Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.

What is the benefits period?
It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.

Is the benefit adjusted for inflation?
If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.

Is there a waiting period before benefits begin?
A 20 to 100 day period is not unusual.

What is the Health Insurance Marketplace?

A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at Healthcare.gov, for most states. Some states run their own Marketplaces.

When can you enroll in Marketplace plans?

Plans sold during Open Enrollment start January 1, 2018. After December 15, you can enroll in 2018 health insurance only if you qualify for a Special Enrollment Period. Contact one of our agents at anytime to see when you can enroll.

By providing your contact information you are agreeing to be contacted by a licensed agent or sales representative by mail, phone, text or email to discuss Health Insurance Plans, Dental Insurance Plans, Association Plans, Medicare Advantage, PDP Plans, Medicare Supplement Insurance Plans, Property & Casualty Insurance and any other products or services we may offer even if you are on the National Do Not Call Registry. You also agree that we may contact you via a pre-recorded message to verify your interest. Neither First Family Insurance nor its agents are connected with either the Federal Medicare Program or Healthcare.gov.

*Source data according to the Kaiser Family Foundation: Health Insurance Coverage of the Total Population, states (2007-2008), U.S. (2008), Total HMO Enrollment, July 2008, Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2008, Hospital Adjusted Expenses per Inpatient Day, 2007

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