Let's find your perfect plan
We've assisted thousands of Americans in finding their coverage
Let's find your perfect plan
We've assisted thousands of Americans in finding their coverage
Health insurance offers financial security for unforeseen medical bills, ensuring access to essential healthcare without cost concerns.
It promotes preventive care, early diagnosis, and overall well-being while fostering a stable, productive workforce by encouraging prompt medical care and quicker return to work.
Why is it important to have health insurance?
Health insurance is your safety net in an unpredictable world. It safeguards your finances, ensures access to quality care, and grants peace of mind. Many doctors require you to have insurance to even schedule a visit. Don't gamble with your well-being – secure your future with the protection of health insurance.
Is it worth paying for?
Life is unpredictable, and health insurance is your lifeline when the unexpected strikes. It shields your finances from sudden medical bills, guarantees timely care, and provides a safety net for any unforeseen health issues. Invest in peace of mind – because if you need it, you will be glad you have it.
Is health insurance necessary in US?
In the United States, the healthcare landscape makes health insurance a necessity. With medical costs soaring and an intricate system, going without coverage can lead to financial disaster. While you can get healthcare without insurance, getting coverage is a more practical choice.
What are important terms to know?
Deductible:
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
After you pay your deductible, you usually only pay a copayment or coinsurance for covered services. Your insurance company pays the rest.
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Coinsurance:
The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.
Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.If you haven't met your deductible: You pay the full allowed amount, $100.
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Max out of Pocket:
Also called an Out-of-Pocket Maximum / Limit.
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
The out-of-pocket limit doesn't include:
Your monthly premiums
Anything you spend for services your plan doesn't cover
Out-of-network care and services
Costs above the allowed amount for a service that a provider may charge
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Minimal Essential Coverage (MEC): Any insurance plan that meets the Affordable Care Act requirement for having health coverage. To avoid the penalty for not having insurance for plans 2018 and earlier, you must be enrolled in a plan that qualifies as minimum essential coverage (sometimes called “qualifying health coverage”). Examples of plans that qualify include: Marketplace plans; job-based plans; Medicare; and Medicaid & CHIP.
Health insurance & coverage offers financial security for unforeseen medical bills, ensuring access to essential healthcare without cost concerns.
It promotes preventive care, early diagnosis, and overall well-being while fostering a stable, productive workforce by encouraging prompt medical care and quicker return to work.
Why should you have health coverage?
Health insurance is your safety net in an unpredictable world. It safeguards your finances, ensures access to quality care, and grants peace of mind. Many doctors require you to have insurance to even schedule a visit. Don't gamble with your well-being – secure your future with the protection of health insurance.
Is it worth paying for?
Yes, as it provides financial protection in case of unexpected medical expenses, ensuring that you won't be burdened with exorbitant bills. It also grants you access to a network of healthcare providers, allowing you to receive timely and quality medical care when needed. Moreover, health insurance promotes preventive healthcare, encouraging regular check-ups and early intervention, which can lead to better long-term health outcomes.
Is health insurance worth it in the United States?
In the US, the healthcare landscape makes health insurance a necessity.
With medical costs soaring and an intricate system, going without coverage can lead to financial disaster. While you can get healthcare without insurance, getting coverage is a more practical choice.
The Big 3 In Health Coverage
Network & Providers
Narrow down thousands of options to find a plan with a wide variety of hospitals, doctors and specials within the umbrella.
You don't want a plan that doesn't support your current care.
Health & Wellness Benefits
Make sure that routine physicals, pap smears, mammograms, colonoscopies and other annual checkups come within benefits.
Prevention can lead to a lifetime of savings.
Preventative Care & Wellness
Make sure that routine physicals, pap smears, mammograms, colonoscopies and other annual checkups come within benefits.
Prevention can lead to a lifetime of savings.
Catastrophic Care
Sometimes, catastrophic things can happen in life. Whether it's heart issues, cancer, a stroke, a car wreck...
You want to make sure your maximum out of pocket cost is manageable
Terms to Know
Deductible
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.
Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. read more at healthcare.gov
Coinsurance
The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.
If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
If you haven't met your deductible: You pay the full allowed amount, $100.
Maximum Out of Pocket
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
The out-of-pocket limit doesn't include:
-Your monthly premiums
-Anything you spend for services your plan doesn't cover
-Out-of-network care and services
-Costs above the allowed amount for a service that a provider may charge
Minimum Essential Coverage (MEC)
A phrase coined by the Affordable Care Act, or ACA - commonly referred to as 'Obamacare' - these plans have 10 tiers of coverage including substance abuse rehab treatment, pregnancy benefits or mental health services.
To avoid the penalty for not having insurance for plans 2018 and earlier, you must be enrolled in a plan that qualifies as minimum essential coverage (sometimes called “qualifying health coverage”). Examples of plans that qualify include: Marketplace plans; job-based plans; Medicare; and Medicaid & CHIP.
Terms to Know
Deductible
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.
Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. read more at healthcare.gov
Coinsurance
The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.
If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
If you haven't met your deductible: You pay the full allowed amount, $100.
Maximum Out of Pocket
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
The out-of-pocket limit doesn't include:
-Your monthly premiums
-Anything you spend for services your plan doesn't cover
-Out-of-network care and services
-Costs above the allowed amount for a service that a provider may charge
Minimum Essential Coverage (M.E.C.)
A phrase coined by the Affordable Care Act, or ACA - commonly referred to as 'Obamacare' - these plans have 10 tiers of coverage including substance abuse rehab treatment, pregnancy benefits or mental health services.
To avoid the penalty for not having insurance for plans 2018 and earlier, you must be enrolled in a plan that qualifies as minimum essential coverage (sometimes called “qualifying health coverage”). Examples of plans that qualify include: Marketplace plans; job-based plans; Medicare; and Medicaid & CHIP.
Types of Plans
PPO Plans
Preferred Provider Organization
PPO, or Preferred Provider Organization, health insurance plans offer flexibility and choice. With a PPO, you can see any doctor, specialist, or healthcare facility without referrals, even outside the network. While there's a network of preferred providers for cost savings, you have the freedom to seek care from any healthcare professional you prefer. This flexibility makes PPO plans popular for those who value autonomy in their healthcare decisions.
HMO Plans
Health Maintenance Organization
HMO, or Health Maintenance Organization, health insurance plans prioritize cost-effective and coordinated care. These plans typically require you to choose a primary care physician (PCP) who oversees your healthcare and provides referrals to specialists within the network. While they offer comprehensive coverage at lower premiums, HMOs generally limit coverage to network providers, making them a great choice for those who prefer structured and cost-effective healthcare options within a defined network.
HSA Accounts
Health Savings Account
An HSA, or Health Savings Account, is a unique savings tool designed to accompany high-deductible health insurance plans. It allows you to set aside pre-tax dollars for medical expenses. Contributions grow tax-free, and you can use the funds for qualified healthcare expenses, including deductibles, copayments, and prescriptions. What sets HSAs apart is that the money you don't use rolls over year after year, providing an opportunity to build a significant healthcare nest egg. HSAs offer a tax-efficient way to manage healthcare costs and save for the future, making them an attractive option for those who prioritize financial preparedness and flexibility in their healthcare.
EPO Plans
Exclusive Provider Organization
EPO, or Exclusive Provider Organization, health insurance plans strike a balance between cost and choice. They offer substantial savings when you use healthcare providers within the plan's network. However, unlike PPOs, EPOs do not cover out-of-network care except in emergencies. This means EPO plans are ideal for individuals who prioritize cost savings but are willing to stick with a defined network of healthcare providers for their medical needs.
POS Plans
Point of Service
POS, or Point of Service, health insurance plans blend elements of HMO and PPO plans. With a POS plan, you'll choose a primary care physician (PCP) who manages your healthcare needs. You'll need referrals to see specialists within the network, like an HMO. However, similar to a PPO, you have the flexibility to see out-of-network providers at a higher cost. POS plans offer a balanced approach, making them an excellent choice for those who value choice, affordability, and a degree of coordination in their healthcare.
Couldn't Afford COBRA
"After I lost my job we were just priced out with our COBRA option - I needed to find a plan for my family that wouldn't break the bank. Ericka and Doug both looked into some options for me and found an affordable plan that worked for us"
- Stephani R., - Naperville, Illinois
Employer Didn't Offer Coverage
"In the majority of food industry or restaurant management they don't have health insurance in their benefits. I love my field but wanted to ensure my family had a private market option that wouldn't be subject to another crazy Obamacare rate increase. Thanks for the help Cynthia!
-Keith W., Green River, Utah
3 Main Things to Focus On:
Network and Providers
Narrow down thousands of options to find a plan with a wide variety of hospitals, doctors and specials within the umbrella.
You don't want a plan that doesn't support your current care.
Preventative Wellness
Ensure that routine physicals, pap smears, mammograms, colonoscopies and other annual checkups come within benefits.
Prevention can lead to a lifetime of savings.
Catastrophic Coverage
Sometimes, catastrophic things can happen in life. Whether it's heart issues, cancer, a stroke, a car wreck...
You want to make sure your maximum out of pocket cost is manageable
Plan Types
Preferred Provider Organization (PPO)
A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost.
Health Managed Organization (HMO)
A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
Exclusive Provider Organization (EPO)
A managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency).
Point of Service (POS)
A type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans also require you to get a referral from your primary care doctor in order to see a specialist.
What about HSA Accounts?
Health Savings Accounts, or "HSAs" are a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in an HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your out-of-pocket health care costs. HSA funds generally may not be used to pay premiums.
Many non-employer options will not come with HSA availability to be added onto your plan, however you can usually set one up at your local credit union or bank.
Testimonials
Employer Didn't Offer Coverage
"In the majority of food industry or restaurant management they don't have health insurance in their benefits. I love my field but wanted to ensure my family had a private market option that wouldn't be subject to another crazy Obamacare rate increase. Thanks for the help Cynthia!
- Keith W., - Green River, UT
Couldn't Afford COBRA
"After I was laid off from my job, it felt like even getting out of bed was overwhelming. I almost fainted when I saw what it would cost to continue my old employer's coverage with no match, and at full sticker price. Thank you so much to Mark and Stephanie for assisting us in finding the plan that was right for our family, and right for our budget."
- Stephani R., - Naperville, Illinois
Ready to get started?
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Ready to get started?
Health insurance pricing is heavily determined by zip code, income, sex and age as well as other factors.
By clicking the Get My Quote button and submitting this form, I agree that I am 18+ years old and I provide my signature expressly consenting to receive emails, calls, postal mail, text messages and other forms of marketing communication regarding health, life or Medicare Insurance, or other offers from Spyglass and affiliated agents to the number(s) I provided, including a mobile phone, even if I am on a state or federal Do Not Call and/or Do Not Email registry. Such calls and text messages may use automated telephone dialing systems, artificial or pre-recorded voices and that contact frequency may vary. I understand my wireless carrier may impose charges for data, calls or texts. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time by calling us at (615) 703-3131 or responding STOP. If you need assistance or help, text HELP to (615) 703-3131
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