Comprehensive Health and Dental Insurance

Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It can also cover prescription drugs, preventive care, and other health-related services.

Health insurance helps protect you from high medical costs by covering a portion of your healthcare expenses. It ensures access to necessary medical care and provides financial protection in case of serious illness or injury.

A premium is the amount you pay for your health insurance policy, typically every month. It is the cost of having insurance coverage.

A deductible is the amount you must pay out-of-pocket for covered healthcare services before your insurance plan begins to pay. For example, if your deductible is $1,000, you must pay the first $1,000 of your medical expenses before the insurance kicks in.

A copayment, or copay, is a fixed amount you pay for a covered healthcare service, usually at the time you receive the service. For example, you might pay a $20 copay for a doctor's visit.

Coinsurance is the percentage of costs you pay for covered healthcare services after you've met your deductible. For example, if your coinsurance is 20%, you pay 20% of the costs while your insurance pays the remaining 80%.

Under the Affordable Care Act (ACA), health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions. All plans must cover treatment for pre-existing conditions.

Consider factors such as your health needs, budget, preferred healthcare providers, and the plan's coverage, premiums, deductibles, copayments, and coinsurance. Compare different plans to find the one that best meets your needs.

The out-of-pocket maximum is the most you will have to pay for covered healthcare services in a policy period (usually a year). After you reach this limit, your insurance plan pays 100% of the allowed amount for covered services.