Health Insurance in Clearwater, FL
Health insurance is a valuable financial tool that can help you maintain your health and address your medical needs. Whether your policy is through a government program, private insurer, or your employer, having this coverage may help you avoid significant out-of-pocket costs for your medical care.
What Is Health Insurance?
Health insurance is a contract between you and your insurance provider; in exchange for a monthly premium, the insurer pays for a portion of your healthcare expenses as outlined in your chosen policy. It is designed to help make routine care affordable and accessible, while shielding you from the potentially high costs of unexpected medical incidents.
Most health insurance plans typically offer some amount of coverage for the following:
- Preventive care, including vaccines, checkups, wellness visits and screenings
- Emergency services, including ER visits and ambulance transport
- Hospitalizations, including for surgeries and overnight stays
- Prescriptions, including medications for acute or chronic conditions
- Maternity care
- Rehabilitation and physical therapy
- Mental health services, including counseling and psychiatric care
Coverage specifics will vary depending on the insurer and policy details.
Key Terms to Know
The following are important terms to know when it comes to understanding your health insurance policy:
- Deductible—This is the amount you must pay out-of-pocket before your insurance provider begins to cover costs.
- Premium—This is the amount of your regular payment to keep your insurance active.
- Copayment—This is a fixed fee for specific services, such as an urgent care visit.
- Coinsurance—This is the percentage of costs you share with your insurer after you meet your deductible.
- Out-of-pocket maximum—This is the most you’ll pay in a year before insurance covers 100% of the remaining costs.
Contact Us
Health insurance can be a complex subject with many options. The professionals at United One Insurance in Clearwater, FL can help you navigate your choices. Contact us today for more information or a personalized quote.