Shop With A Local Agent

Get professional auto insurance advice from experts in the industry. Lighthouse Insurance, knows how to save you money, and we make every effort to find the best rates without sacrificing your safety or our standards.

Health Insurance Plans

You have many choices when it comes to the types of medical coverage's available.

Finding the right health insurance plan is important for ensuring you have sufficient health insurance coverage at affordable premiums & out of pocket expenses. Individual health insurance policies vary and are best suited for an individual whose employer does not offer any, or adequate, small group insurance or group insurance coverage. We work with over 25 of the nations best medical insurance companies and offer plans that can be tailored to individual needs and group business insurance requirements.

Small Group Medical Insurance

for smaller businesses with 50 employees or less. While individual health insurance plans can deny coverage or increase rates to a specific individual due to poor medical conditions, a group medical plan cannot. Insurance companies must accept the entire group or none at all, and they cannot increase rates to one individual. With group insurance plans, there is strength in numbers.

Fee-For-Service Policies

the least restrictive plans
employees can choose the care provider of their choice
May have higher out-of-pocket expenses
If employees prefer preventive care and low out-of-pocket expenses, a managed care plan may be better suited

Managed Care

More affordable if the insured stay within their network of care providers
Restriction to doctors and hospitals within a managed care network (may be an issue for some employees)
higher out-of-pocket expenses for freedom of choice

If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy. Plans include:

Fee-for-service
HMO
PPO
POS

Fee-for-Service (Indemnity) Health Insurance

Traditional health care policy
Insurance companies pay fees for the services provided to the insured
Offers the freedom to choose doctors and hospitals
Can change doctors at any time
Can use any hospital in any part of the country
Generally a yearly deductible is charged and a percentage of costs above the deductible are covered. An example might include a $250.00 deductible and 80% coverage once the deductible is reached

HMO (Health Maintenance Organization) Coverage

Prepaid health plans
Monthly premium pays for the HMO to provide comprehensive care for the insured, including doctor visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy
Care is provided directly in its own group practice or through doctors and other health care professionals under contract
Limited choice of doctors and hospitals to those under agreement with the HMO (exceptions can be made in emergencies or when medically necessary.)

PPO (Preferred Provider Organization) Coverage

A cross between traditional fee-for-service and an HMO
Like an HMO, there are a specific doctors and hospitals from which to choose
Can use doctors who are not part of the plan and still receive some coverage
Best for individuals who want an HMO style prepaid plan, but want a doctor that is not part of the network
Geared towards preventative care
Includes a broad range of services

Obtaining Sufficient Medical Coverage

Whether you are a business owner or an individual, obtaining the right medical insurance coverage is crucial. Our team of professionals can help you put together the right health insurance plan for your specific needs. To get started, give a Lighthouse Insurance representative a call today at 1-888-399-0300!