Health insurance is a complicated subject and one that requires expert advice and guidance. Stoneman Schopf can help you with proper health insurance in Algoma, Door County, Egg Harbor WI, Fish Creek WI, Sister Bay or Sturgeon Bay.
There several options and possibilities when it comes to health insurance. These include major medical, disability income protection, Medicare, Medigap, supplement plans, advantage plans, long term care, workers compensation, group medical and more.
If you don’t have medical insurance through work, then you need to consider an individual medical heath plan. Major medical insurance will cover you for most medical costs – from routine check-ups to major surgery. It will cover you for doctors’ consultations, hospitalization, outpatient procedures. Most major medical health insurance plans will cover prescription medication, as well a recovery services such as rehab and therapy. Major medical insurance includes programs such as HMO, PPO and free-for-service programs.
This type of health insurance works on a system of co-payments and deductibles. That is the amount you must pay before insurance benefits kick in. However there is a cap on out of pocket expenses. So even when you need extremely expensive medical treatments, your out-of-pocket expense will be capped.
Basic health insurance is a cheaper option but will provide less coverage. This means that some medical services won’t be covered at all and some will only be covered to a certain amount. Basic health insurance is often used as a supplement traditional health insurance. It is easier to get approved for basic health insurance. There are no co-payments or network doctors. You can see any doctor you want, but you will only get some money back.
Stoneman Schopf specialises in health insurance and they can help you with the right plans and options in Algoma, Door County, Egg Harbor WI, Fish Creek WI, Sister Bay or Sturgeon Bay.