Healthcare Insurance

Types of Insurance.

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    Get advice on the right Healthcare Coverage

    Do you need healthcare coverage and are confused on about where to go? Take away the worries of not knowing what to do and let an Urbasek Insurance healthcare specialist help you make the right choice for you and your family.

    The healthcare open enrollment period is between November 15th 2014- February 15th 2015 and everyone is eligible for coverage regardless of their current health status.

    We have serval top insurance carries in our network that we can choose from to meet your healthcare needs.

    Frequently Asked Questions.

    1. What is a HMO health insurance plan?

    Answer 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.

    2. What is a PPO health insurance plan?

    Answer 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.

    3. What is a EPO health insurance plan?

    Answer 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).

    4. What is a POS health insurance plan?

    Answer 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.

    5. Why do I need health Insurance??

    Answer Health insurance provides important financial protection in case you have a serious accident or sickness. People without health coverage are exposed to these costs. This can sometimes lead people without coverage into deep debt or even into bankruptcy.

    It’s easy to underestimate how much medical care can cost:

    Fixing a broken leg can cost up to $7,500
    The average cost of a 3-day hospital stay is around $30,000
    Comprehensive cancer care can cost hundreds of thousands of dollars

    Having health coverage can help protect you from high, unexpected costs like these.