The Larson Insurance Agency offers quality health insurance at affordable prices to the residents of Wisconsin. When shopping for health insurance, the goal is generally to find a policy that keeps your family healthy and happy without overspending. One of our experienced agents will help you select a policy from a major insurance company that meets your needs and budget. Contact the Larson Insurance Agency to begin exploring your health insurance options today.
Health insurance has undergone many changes in recent years. The Affordable Care Act has provided millions of Americans with access to healthcare who were previously unable to receive it. For some, this lead to issues with their current healthcare resulting from changes in coverage, premiums, deductibles and more. Many individuals and families have needed to reevaluate their health insurance needs and choices.
Searching for a health insurance plan can seem overwhelming. At the Larson Insurance Agency, we are familiar with the many different types of insurance plans available in Wisconsin as well as the restrictions and benefits associated with each. We are here to help you choose the plan that best meets the needs of you and your family.
Health Insurance Options
There are several health insurance options to choose from. Plans vary based on the healthcare providers are covered in your plan, what types of procedures are covered, and what fees you may pay out of pocket. Common types of plans include:
- Health Maintenance Organization (HMO): With an HMO, you will choose a Primary Care Physician (PCP) from a local network of healthcare providers. Your PCP will refer you to any in-network specialists when required. HMO will typically cover most preventive and general wellness healthcare.
- Preferred Provider Organization (PPO): A PPO allows you to visit healthcare providers both in and out of your network. You are able to see specialists within this network without a referral as well. Out-of-pocket expenses are lower when staying within your network however, this is an option for those who do not want to be restricted to certain areas or providers.
- Point of Service (POS): A POS plan is a hybrid of an HMO and PPO plan. With this type of plan, again you receive more coverage when you see providers within a certain network. With a POS plan, you generally have to see your primary care provider before you can be referred to a specialist.
In addition to choosing a specific type of plan and healthcare company, you may have the option to choose among levels of plans. Different plan levels will allow you to choose how much you wish to spend on premiums, copays, and deductibles. At the Larson Insurance Agency, we will walk you through each of the different plan levels so that you can make the most informed decision.
The Larson Insurance Agency also offers Medicare health plans to Wisconsin seniors. We can help you with all of your Medicare Part A (hospital insurance), Medicare Part B (medical insurance), Medicare Part C (Medicare advantage plans), and Medicare Part D (prescription drug coverage) needs.
At the Larson Insurance Agency, our goal is to help you and your family live happy and healthy lives. We are confident that we can find an affordable health insurance plan that meets the needs of your family in Wisconsin. Contact us today for a free health insurance quote.