Service Insurance Agency - Health Insurance

Health Insurance

Service Insurance Agency understands how important staying healthy is to you. Whether you are covering just yourself or your whole family, you need an insurance agent that can personalize the policy to your specific needs.

Industry experts recommend considering the following when shopping for insurance:
  • Can you handle a higher deductible to cut your premium cost?
  • Do you have adequate coverage? Don't wait for a disaster to learn that you are not covered.

What makes SIA different is the people. With very little turnover, our trained and licensed CSRs possess an average of 12 to 15 years of experience which they use to help you navigate through the insurance process.

A leading healthcare site lists these top 8 reasons for carrying health insurance:

  • Helps protect you from the financial hardships that may result from health care expense.
  • When you need medical care, you may not be able to afford it.
  • Insured individuals tend to visit the hospital before a condition becomes worse and more expensive to treat.
  • Diabetics without health insurance have a higher mortality rate than those that carry insurance.
  • Hospitals have the legal right to place a lien against your property if you to not pay their bills.
  • County hospitals will accept the uninsured; however, due to overcrowding, it could take hours to days to be seen.
  • Some higher education facility will not allow you to enroll without proof of health insurance.

Insurance can be confusing, but it doesn't need to be that way. We take the time to educate our customers, to truly evaluate their needs. As an independent agent, we provide a custom blend of options and prices from multiple insurance companies. This requires us to take more time up front truly shopping around for your best fit.

Catastrophic Health Insurance

This type of insurance is designed for the individual that has the financial resources to handle the routine health needs of doctor visits and hospitalization. The individual or family must pay the full deductible, out of pocket expenses, before the insurance begins paying.

Short-term Health Insurance

Like term life insurance, this type of coverage is purchased for a specific period of time. Often, this type of insurance does not cover preexisting conditions and generally comes with less strict qualifying restrictions.

Preferred Provider Organization (PPO)

PPOs have a network of health care providers, doctors and hospitals. The medical treatment provided by their in-network providers is fully covered; however, some plans still require a deductible and co-payment. The out-of-network treatment is also covered, but at a reduced rate.

Health Maintenance Organization (HMO)

A group of health care professions, doctors and hospitals participate through the HMO. A range of coverage is provided by this group for a flat monthly rate with no deductible. Only visits to this group of professionals is covered by the HMO. Each person is assigned a primary care physician who handles all the HMO referrals and prescriptions must be cleared by the HMO.

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