Lighthouse Health Insurance
Choosing the right health insurance can be daunting. Whether you need an individual policy, or your employer has presented you with options, we'll help you make the right choice. We'll show you how to balance cost against coverage, and how to evaluate and compare various policies for the best deal possible.

Then we go shopping. With 25 prominent insurance industry companies in our corner, we have the capability to hand carve a policy specific to your needs or to the needs of your family. You just have to decide which plan works best for you. That's it.

We've outlined the types of policies below, but if you need further information or have any questions at all, our Lighthouse representatives are just a phone call away.

Individual health insurance policies are best suited for an individual whose employer does not offer any or adequate small group insurance or group insurance coverage.

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 POS (Point-of-Service) Coverage A combination of a PPO and an HMO Provides lower cost medical care to those that remain in the network The major difference between a POS and PPO plan is that the Point-of-Service plan makes use of a Primary Care Physician. With the POS plans, if you seek medical care outside of the network, you will be responsible for full payment. On the other hand, if your Primary Care Physician gives a referral for you to see a specialist outside of the network, the insurer will pick up most of the cost Includes preventive care and health improvement programs

Should you have any additional questions about Lighthouse's health insurance coverage, please don't hesitate to contact your local Lighthouse representative today at 1-888-399-0300. Get the quote you need in the time you need it!

"Please refer to your policy declarations page as special terms, conditions And exclusions may apply."