The different types of health insurance you need to know about

The different types of health insurance you need to know about

Open enrollment will soon open for any families, individuals or small businesses that need to sign up for health insurance for 2021. Choosing a healthcare plan can be super difficult if you don’t know what you need or what your options are. At Health Server Solutions, we want to walk you through every single step of open enrollment and learning about what your healthcare options are. We know how important it is to get the best health insurance for your and your family and we are here to help! Here are your different options and what you need to know!

Family health insurance

Whether your family needs a government or private plan, we can help you ensure that you have the most suitable policy to best fit your family’s needs. With family insurance, you can choose between short-term and long-term coverage. Short-term will be low coverage and low cost, but the max length is usually 12 months. You can then only renew this twice, which will give you three years of coverage. 

Long-term coverage will be month-to-month with no contract. Depending on your policy and whether you qualify or not, you may lock in a monthly rate. This means that you don’t have to worry about your premium changing. 

Individual 

With an individual insurance plan, you will also have the option of choosing a short-term or a long-term coverage. We also have quality staff that can provide medical underwriting. This will help you determine what your costs will be and to help you determine what plan is best. 

Small business

Our small business health insurance is the best health insurance because we have the option to compare ACA (Affordable Care Act) plans, share programs, short-term, discount and medically underwrite plans that are not available online. We can help you find a zero deductible plan and whatever works best for you at the current small business that you are at!

Income protector (life)

This is not the same as health insurance, but instead it is a way to be prepared for accidents. This disability income insurance is a way to get money to help you pay for rent, mortgage, car payment, childcare or whatever else you may need. These benefits will last up to 12 months and you will receive a monthly allowance to replace missing income. 

Dental/Vision

We offer both dental and vision insurance, which can become pretty pricey. In order to help you take care of all of your healthcare needs without breaking the bank, dental and vision insurance is imperative to your health. 

Telehealth

A huge factor that is more beneficial now than ever is the ability to utilize telehealth. With the current pandemic forcing people to practice social distancing, telehealth is often the only option to do annual checkups with physicians. We want all of your healthcare to be covered during the current pandemic and if something comes up in the future. That is why we strive to offer the best health insurance. 
Do you need help figuring out your plans for open enrollment and healthcare? If so, Health Server Solutions is the place to go! We can help you figure out exactly what you need, then help you create a custom health care plan that will work perfectly for you, your family or your small business. Contact us today and let’s get started!