Health Insurance

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Health insurance is ever-changing, and it’s important to work with professionals who are up-to-date with these changes. Health Insurance is sometimes referred to as Major Medical Health Insurance or just Major Medical.

You might be asking, “What is health insurance?” Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance usually pays the health care provider, such as a doctor or hospital, directly. The insured will have a deductible and possibly co-pays to satisfy before benefits are paid by the health insurance company to the provider. Premiums for this coverage may be paid by an employer or may be paid directly by an individual. Coverage offered and paid by an employer is called Group Health Insurance whereas health insurance coverage obtained and paid by an individual is referred to as Individual Health Insurance.

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