Reasons to Shop for Health Insurance

Health insurance helps people stay healthy as well as providing care for those who are sick. Many plans charge little or nothing for annual checkups, and with health insurance, you’ll be able to visit a doctor at the first sign of illness rather than waiting until your symptoms become critical. Some health insurance plans also offer incentives for healthy habits. Learn more about these and other benefits by calling Integra Insurance today.

Types of Health Insurance

Integra Insurance offers three primary types of health insurance coverage: consumer-directed health plans, fee-for-service insurance and managed care. Each type helps pay for regular doctor's visits, surgical care and hospital expenses. Some plans include prescription drug coverage, dental care, vision care and mental health services as well.

Consumer-Directed Plans

Designed to give consumers more control over their own health, consumer-directed health insurance is a new type of policy that allows you to make choices concerning the healthcare options you choose. These plans allow you to pay for medical care with a combination of insurance coverage and a healthcare spending account.

Fee-for-Service Plans

A more traditional form of health insurance, fee-for-service policies also allow you to select your own physician, clinic and hospital when you require medical attention. With these plans, you pay a set amount for each service.

Managed Care Plans

Another common and often less expensive form of health insurance is managed care. With this type of policy, members are covered for treatment from specific hospitals and healthcare professionals within a managed care network. These plans include

• Health maintenance organizations (HMOs)
• Preferred provider organizations (PPOs)
• Point-of-service (POS) plans

Integra Insurance provides free online quotes for personal health insurance. To learn more or speak with an agent about health coverage for you and your family, call us today.

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