You pay a premium for coverage, and in return, the insurer pays for certain medical expenses. You may also have copayments, deductibles, and coinsurance.

A deductible is the amount you pay out-of-pocket for healthcare services before your insurance starts covering costs.

Copayments are fixed amounts you pay for specific services, while coinsurance is a percentage of costs you share after meeting your deductible.

The out-of-pocket maximum is the most you’ll pay in a year for covered services. After reaching this limit, insurance covers 100% of the costs.

To apply for health insurance, we need to first identify your particular needs.  We start by a quick phone call to ask some questions for us to get started in our search.  You'll need to answer questions about your medical history, current providers and monthly price range.

We consider your health needs, budget, and whether your preferred doctors and hospitals are in-network. We then compare different plans based on coverage and costs.

We provide personalized, expert guidance to help you find the ideal insurance coverage that best fits you and your family's needs.