We understand that for our clients, the safety and good health of their families is one of the most important aspects of their lives. That’s why we work diligently with the state’s best insurance providers to find the best, most cost-effective health insurance options for yourself and your family.
Fortunately, we offer customized insurance packages to protect you and your loved ones in every circumstance. As an independent agency with a wide array of products and companies to choose from, and more than 100 years combined experience in the insurance industry, we have the knowledge and flexibility to meet those needs.
Affordable Care Act
The Affordable Care Act requires every American, with few exceptions, to be covered by health insurance or face a penalty. Many individuals and families are eligible for a premium subsidy from the government. Additionally, many individuals and families have access to health insurance through their employer thanks to tax deductions provided to businesses through the Affordable Care Act.
Health Insurance Options
In the state of Arkansas, there are 3 health insurance plan options available to residents: consumer-directed, fee for service, and managed care.
Consumer-directed healthcare plans allow users more control over their insurance options, including setting up and using a health fund to cover medical expenses.
Fee for service healthcare plans are similar to traditional health insurance plans. Patients pay a fee each time they visit their healthcare provider, but have more control over which providers they see and how often they can visit them.
Managed care healthcare plans offer lower out-of-pocket costs, but are generally more restrictive in their flexibility in terms of in-network and out-of-network care options. Managed care plans typically include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of-service (POS) plans.
For help in choosing the best health insurance plan for you and your family, contact us today.