Family Health Insurance

We'll help you plan, prepare and protect what matters most.

FAMILY HEALTH INSFAMILY HEALTH INSURANCEURANCE

Health Server Solutions offers the best health insurance for a family in the U.S. Whether you or your family needs a government or private plan, HSS will point you in the right direction ensuring that you have the most suitable policy to fit your needs. The best life and health insurance company will give you peace of mind knowing that you’ll be able to compare ACA plans, share programs, short-term, discount, and even medically underwritten plans which aren’t available online. Advising you on the best decision for the best health insurance plan for the family is our priority.

As a provider for the best health insurance for family,  we have staff that are qualified for medical underwriting. Medical underwriting is a process that is completed by insurance companies. This process is done to find out what coverage you are going to qualify for and how much you will be paying. There will also be exclusions or limits that the underwriter will find out. 

When it comes to family health insurance, you have a choice between short-term and long-term and it’s important to know the difference in order to choose the best health insurance for family. Before you decide which one is best for you, it is best that you consider your current health problems along with your current job status and living expenses. 

Short-term insurance is low coverage and low cost, the maximum length is typically 12 months, and it can be renewed twice, giving you three years on the plan. A great way to think about it is that it is a cheap low-coverage plan. There are some downsides, like higher out of pocket costs and low coverage. It also does not cover mental health, maternity, substance abuse or outpatient prescriptions. 

Long-term insurance is month to month and non-contractual. Depending on the policy chosen, you may qualify for a long term locked-in monthly rate, giving you the financial peace of mind that your premium’s won’t change for a set amount of time. 

The Affordable Care Act (ACA) is another option for family health insurance. These plans cover pre-existing conditions and cover basic health concerns. 

A zero-deductible means you’ll receive first-dollar benefits without having to satisfy a calendar-year deductible.  It has lower monthly costs and can be tax deductible for self-employed clients. 

Preferred Provider Organization (PPO) is a family health insurance option where you pay less and use the providers in your plan’s network. If you have PPO insurance, you have the ability to visit any doctor or hospital without a referral from your primary care physician. Another benefit is flexibility with choosing doctors and hospitals that are not in your network. 

If you have a low max out-of-pocket plan it is typical to pay for copays, deductibles and coinsurance. One of the benefits of having one of the best health insurance for family is that you will spend less before the insurance covers the total costs. This plan is an ideal option in the event of an accident and there are high medical expenses!

Month-to-month contracts can be considered short or long term insurance. They can be used for pre-existing health conditions but may be limited based on the condition. Health Server Solution’s agents will happily show you suitable plans for pre-existing conditions. Also, it is pay as you go, which may make it easier on your budget.  

No contract health insurance is exactly what it sounds like. You are not tied down to an insurance company for a certain amount of time. Meaning you have the ability to change providers whenever you want. This may be the best health insurance for your family if you plan to move often. 

The best life and health insurance company will have a variety of options for your whole family. Contact Health Server Solutions for your insurance needs!

The best life and health insurance company will have a variety of options for your whole family. Contact Health Server Solutions for your insurance needs! 

  • Medically underwritten
  • Short-term
  • Long-term
  • ACA
  • Zero deductible plans, 
  • PPO Options
  • Low Max out-of-pocket
  • Month-to-Month
  • No Contracts

Tell us about your home & family needs. We'll listen And then work with you to make sure you've got