It is my mission to help my clients manage the risks of everyday life by providing them with the best service and the best coverage, at the best possible price.
It is my mission to help my clients manage the risks of everyday life by providing them with the best service and the best coverage, at the best possible price.
© Copyright 2024 Queen Health LLC - All Rights Reserved Privacy Policy Terms of Service
How To Choose Health Insurance
Think about choosing health insurance like buying a pair of jeans: In a clothing store, there are usually dozens of racks of jeans to choose from. As you shop, you consider what kind of jeans you want, along with how much you want to spend. You look at the options that fit your criteria and try them on to see which fits best.
Now imagine each rack is a different insurance company. You can shop in the same way — by comparing various types of plans, comparing rates, and comparing coverage and benefits. When you shop smart, you will find the best fit for your health needs.
I will help you with the shopping by showing you the options, and together we will sort out the details and see which plan fits you best.
Individual Health Insurance
Until recently, most people obtained their health insurance from their employer, and people with low income got their insurance from the government. But now, more and more people are buying private health insurance plans tailor-made for individuals.
Individual health insurance is actually more affordable than you think. We can help you compare rates from leading health insurance carriers to see for yourself.
First, here are a few basics about individual health insurance:
What Kinds of Private Health Plans Are Available To Me?
There are plenty of individual health plans to choose from. Here are the most common types:
HMOs (Health Maintenance Organization)
HMOs are one of the most affordable health plans available, and they offer comprehensive coverage. HMOs create networks of doctors, hospitals, clinics, specialists, and other care providers. Most HMO networks consist of thousands of healthcare professionals, ensuring you’ll have convenient access to medical care when you need it.
PPOs (Preferred Provider Organization)
The PPO is an affordable health plan with an added benefit — you’ll have coverage with any health care provider. That means you can see any doctor or specialist you want, and your plan will cover the care. The PPO is great for flexible, comprehensive, and affordable health care.
HSA (Health Savings Account)
There are 2 parts to HSA coverage: a high-deductible plan and a Health Savings Account. The high-deductible plan provides catastrophic coverage and features low monthly premiums. The HSA is a tax-free savings account where you save money to pay for routine medical expenses.
FFS (Fee For Service)
The FFS plan is the traditional form of health insurance. It works very simply — you get the care you need, then you’re reimbursed for a percentage of the cost.
Understanding The Terms Of Your Personal Health Insurance Plan
Premiums
Your premiums are payments you make to keep your plan in effect. Usually, premiums are paid each month. Premiums are set by your insurance company based on factors such as health status, age, where you live, and where you work.
Deductible
The deductible is the dollar amount you’ll be responsible for before your plan begins coverage. Most health plans let you choose your own deductible, so how do you choose the amount that’s best? It might seem like a lower deductible would be better, but a low deductible means you’ll have to pay higher monthly premiums. It works the other way too — the higher your deductible, the lower your monthly bill. You’ll have to decide if you want lower monthly premiums or lower medical bills for your health care.
Copayments and coinsurance
If you have an HMO, you might pay $15 at the doctor’s office for a check-up. That’s called your copayment. You pay a certain dollar amount of the bill and your plan covers the rest. HMOs offer copayments as low as $10, while PPOs often charge copayments of $40 or less. Coinsurance is similar to a copayment, except it’s expressed as a percentage rather than a dollar amount. A coinsurance rate of 80/20 means you’ll be responsible for 20% of a medical bill.
Individual vs. Employer-Sponsored Health Coverage
The majority of people have employer-sponsored health insurance. But the number of people with individual coverage is growing. Today, more than 13 million people have an individual plan.
Why choose an individual health plan over an employer’s plan? Here are the key advantages of individual health insurance:
Customized Coverage
In group coverage, everyone ends up in a one-size-fits-all type of plan. But everyone has different health needs. With employer-sponsored coverage, you end up paying for coverage you don’t need or may have to go without coverage for care you do need.
Mobile Coverage
With an employer’s plan, leaving your job means leaving your health insurance. Individual plans protect your health wherever your career takes you.
Property & casualty insurance includes home and auto insurance. Whether you’re a homeowner or a renter, insurance is important to have. Insure your belongings from situations such as natural disasters and robbery.
Homeowners Insurance
Having the right homeowners insurance can be very important. Homeowners insurance covers damage to your home, property, personal belongings, and other assets in your home. Some homeowners insurance policies may also cover living expenses above your normal cost of living if a covered loss forces you to stay elsewhere while your home is being repaired or rebuilt. With the right plan, it may also provide coverage for accidents or injuries that occur in your home or on your property.
Auto Insurance
Not all car insurance policies are the same. Car insurance works as a safeguard for your financial well-being and your vehicle in case of accidents, theft, or other incidents beyond your control. Your car insurance company can pay for vehicle repairs, medical expenses, and damages or injuries you cause to another driver. When shopping for car insurance, it’s important to look at all aspects of what your potential policy will cover.
"We do not offer every plan available in your area. Currently we represent 7 organizations which offer 30 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.’’
Medicare covers many of your health care needs. Today's Medicare is working with private companies approved by Medicare that provide different ways to get your health care and prescription drug coverage in the Medicare Program. The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. Your Medicare plan choices include:
The Original Medicare Plan
This is a fee-for-service plan that covers many healthcare services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card.
The Original Medicare Plan pays for many healthcare services and supplies, but it doesn't pay all of your healthcare costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called "gaps" in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.
Medicare Advantage Plans – Available in many areas
If you have one of these plans, you don't need a Medigap policy. These plans include:
Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans, Medicare Special Needs Plans, and Medicare Medical Savings Account Plans (MSA)
These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services. Call or email for more information on Medicare Advantage Plans.
Medicare Supplement (Medigap) Plans – Available in many areas
Medigap is Medicare Supplement Insurance that can help to fill the "gaps" in Original Medicare healthcare coverage and is sold by private companies. A Medicare Supplement Insurance (Medigap) policy can help pay for some of the healthcare services Original Medicare doesn't cover, including copayments, coinsurance, and deductibles.
If you have Original Medicare and you buy a Medigap policy, here's what happens: Medicare will pay its share of the Medicare-Approved Amount for covered healthcare costs. Then, your Medigap insurance company pays its share.
Medicare Prescription Drug Plans
These stand-alone plans add prescription drug coverage to the Original Medicare Plan, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans, and Medicare Medical Savings Account Plans. Call or email me for more information on Medicare.
Need Help Paying for Health Care Costs?
There are wide ranges of healthcare coverage choices that may help pay for some of your healthcare costs. These healthcare choices work with the benefits you have from Medicare. What you choose will affect how much you pay, what benefits you have, which doctors you can see, and other things that may be important to you. For more information about programs that may help pay for some of your healthcare costs, please call or email me today.
If you’re a business owner looking to help cover your employees, group insurance can be a great option! Where you have less than 25 employees or more, there’s a group plan that can fit with your company.
The cost of group health insurance is usually much lower than individual plans because the risk is spread across a higher number of people. Simply put, this type of insurance is cheaper and more affordable than individual plans available on the market because more people buy into the plan.
Critical Illness
Critical illness insurance helps cover medical expenses that your primary health insurance won't. Being diagnosed and going through treatment for serious illnesses like cancer, stroke, heart attack, Parkinson's, and more can be costly. Critical illness insurance is paid to you and can be used to cover deductibles, treatments, and more.
Hospital Indemnity
No one ever plans to be hospitalized. Unfortunately, it happens, and when it does, are we ever prepared for the list of fees that come with it? While your medical insurance may help to cover your hospital bills, it may not cover all of the costs associated with a hospital stay, such as deductibles and co-pays, transportation, and lodging. Hospital indemnity insurance can help you to find relief from the cost of hospitalization.
Dental
"An ounce of prevention is worth a pound of cure." It's an old saying that is still applicable today, especially when it comes to dental health. Did you know that dental health is strongly tied to overall health? While not many people love a visit to the dentist, regular checkups and cleanings can prevent costly issues later. That crown or root canal will be a little more comfortable with dental insurance to help with the costs.
Dental plans generally cover regularly scheduled checkups, cleanings, fillings, and X-rays.
Vision
Eye exams can be monumental to keeping track of your health. Did you know eye exams can help detect a myriad of health conditions, including high blood pressure, high cholesterol, and more?
Vision insurance plans complement health insurance because preventive eye care is essential to overall health. With screens being an everyday part of modern life, it's not a surprise your eyes may be feeling stressed or fatigued. These plans cover routine eye examinations and can help to pay for corrections such as glasses, frames, and contact lenses. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood. Regular eye examinations are also important for general health because they can detect diseases like glaucoma and diabetes.
Short Term Medical Insurance
Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing healthcare services. They offer a range of deductibles that help to make it easy to find the right benefits at the right price. If you've missed the deadline for open enrollment or you just can't afford the premiums and deductibles that come with a traditional health insurance policy, then short term coverage might be a good alternative for you.
These plans are for people in a transitional phase of life. Whether you've changed jobs and need something to fill the gap between employer-sponsored coverage, you've just graduated college or been dropped from your parent's plan, or you've retired early but don't qualify for Medicare yet, this type of plan could be perfect for you.
It’s never too late to start planning for your retirement. Annuities are a great option for a guaranteed income stream when you retire.
Immediate Annuity
This is the most basic type of annuity. You make one lump-sum contribution, and it’s then converted into an ongoing, guaranteed stream of income for a specified period of time (as few as five years) or for a lifetime. Withdrawals may begin within a year.
Deferred Variable Annuity
Deferred variable annuities allow clients and advisors to determine how assets are invested by choosing from a selection of investment options, usually referred to as subaccounts. These investments can include stocks, bonds, money markets, and more. The value of these annuities will fluctuate based on the ups and downs of the market.
Fixed Annuity
Fixed annuities allow you to lock in a rate of earning that, even over long periods of time, remains unaffected by market ups and downs. The principal investment and a specified interest rate are both guaranteed.
Fixed Indexed Annuity
A fixed indexed annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you more growth potential than a fixed annuity but with less risk and less potential return than a variable annuity.
Travel insurance is a great safety net for unforeseen expenses you could face during trips. Whether you’re traveling to Tennessee or Timbuktu, there’s a plan that can cover your costs if you experience a medical emergency or need access to healthcare domestically or abroad. Plans can also insure your weeklong business trip or your whole family’s summerlong vacation.
Your furry friends are just as important to your family as any human and deserve the best care possible. Pet insurance can cover otherwise costly bills for veterinary care such as annual exams or generic health conditions, plus some plans offer multi-pet discounts.
Let me help you find the best plan to help protect your pets.
[AGENCY OR AGENT NAME] operates the [WEBSITE NAME] website, which provides insurance services.
This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service, the [WEBSITE NAME] website.
If you choose to use our Service, then you agree to the collection and use of information in relation with this policy. The Personal Information that we collect are used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible here, unless otherwise defined in this Privacy Policy.
Information Collection and Use
For a better experience while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to your name, phone number, and postal address. The information that we collect will be used to contact or identify you.
Log Data
We want to inform you that whenever you visit our Service, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer's Internet Protocol (“IP”) address, browser version, pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
Cookies
Cookies are files with small amount of data that is commonly used an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your computer's hard drive. Our website uses these “cookies” to collection information and to improve our Service. You have the option to either accept or refuse these cookies, and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some portions of our Service.
Service Providers
We may employ third-party companies and individuals due to the following reasons:
To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services;
or
To assist us in analyzing how our Service is used.
We want to inform our Service users that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
Security
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
Links to Other Sites
Our Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these
external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Children's Privacy
Our Services do not address anyone under the age of 13. We do not knowingly collect personal identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.
Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.
Please read these terms of service (“terms”, “terms of service”) carefully before using [WEBSITE LINK] website (the “service”) operated by [AGENCY OR AGENT NAME].
Conditions of Use
We will provide their services to you, which are subject to the conditions stated below in this document. Every time you visit this website, use its services or make a purchase, you accept the following conditions. This is why we urge you to read them carefully.
Privacy Policy
Before you continue using our website, we advise you to read our privacy policy regarding our user data collection. It will help you better understand our practices.
Copyright
Content published on this website (digital downloads, images, texts, graphics, logos) is the property of [name] and/or its content creators and protected by international copyright laws. The entire compilation of the content found on this website is the exclusive property of [name], with copyright authorship for this compilation by [name].
Communications
The entire communication with us is electronic. Every time you send us an email or visit our website, you are going to be communicating with us. You hereby consent to receive communications from us. If you subscribe to the news on our website, you are going to receive regular emails from us. We will continue to communicate with you by posting news and notices on our website and by sending you emails. You also agree that all notices, disclosures, agreements, and other communications we provide to you electronically meet the legal requirements that such communications be in writing.
Applicable Law
By visiting this website, you agree that the laws of the [your location], without regard to principles of conflict laws, will govern these terms of service, or any dispute of any sort that might come between [name] and you, or its business partners and associates.
Disputes
Any dispute related in any way to your visit to this website or to products you purchase from us shall be arbitrated by state or federal court [your location] and you consent to exclusive jurisdiction and venue of such courts.
License and Site Access
We grant you a limited license to access and make personal use of this website. You are not allowed to download or modify it. This may be done only with written consent from us.
User Account
If you are an owner of an account on this website, you are solely responsible for maintaining the confidentiality of your private user details (username and password). You are responsible for all activities that occur under your account or password.
We reserve all rights to terminate accounts, edit or remove content and cancel orders at their sole discretion.