Protecting Your Future With Tailored Health Insurance Solutions
At Centerstone Health & Benefits Agency, we specialize in providing comprehensive coverage for individuals and families. Whether you're seeking individual or family health insurance plans, or need guidance on Medicare options, we're here to help you find the best solutions for your needs. Contact us today to explore your options and secure the coverage you deserve!
Find the Right Health Insurance Options
Centerstone Health & Benefits is dedicated to helping you find the perfect plan for you and your family. With personalized guidance and a range of options, we make securing the right coverage simple and stress-free. Let us be your trusted partner in navigating the world of health insurance, ensuring your peace of mind every step of the way. Reach out today to start exploring your options!
Health Maintenance Organization (HMO)
An HMO, or Health Maintenance Organization, is a type of health insurance plan that requires members to use a network of doctors and hospitals. You usually need a primary care physician (PCP) and must get referrals from them to see specialists. HMOs typically have lower premiums and out-of-pocket costs, but less flexibility in choosing healthcare providers.
Preferred Provider Organization (PPO)
A PPO, or Preferred Provider Organization, is a type of health insurance plan that offers more flexibility in choosing healthcare providers. You can see any doctor or specialist, in or out of the network, without a referral, though you'll pay less if you use network providers. PPOs usually have higher premiums and out-of-pocket costs, but they offer more freedom in selecting healthcare providers.
Exclusive Provider Organization (EPO)
An EPO, or Exclusive Provider Organization, is a type of health insurance plan that combines features of HMOs and PPOs. With an EPO, you must use doctors and hospitals within the plan's network, except in emergencies. However, you don't need a referral to see specialists. EPOs generally have lower premiums than PPOs but require staying within the network for coverage.
Point of Service (POS)
A POS, or Point of Service plan, is a type of health insurance that blends elements of HMOs and PPOs. It requires you to choose a primary care physician (PCP) who coordinates your care and provides referrals for specialists. While you can see out-of-network providers, it usually comes with higher costs. POS plans offer a balance between cost control and provider flexibility.
Find the Right Medicare Solutions
Centerstone Health & Benefits offers a comprehensive range of products to meet your healthcare needs, including Medicare Advantage, Medicare Supplement, and Medicare Prescription Part D plans. We also provide ancillary dental and vision coverage to ensure you have complete protection. Our expert team is here to guide you in selecting the best plans tailored to your unique needs. Reach out today to start exploring your options!
Medicare Advantage (Part C)
Medicare Advantage, also known as Part C, are offered by private insurers and combine Part A (hospital) and Part B (medical) coverage, often including Part D (prescription drugs). They may offer extra benefits like dental, vision, and wellness programs. Costs and coverage details vary by plan, so it's crucial to check provider networks, out-of-pocket limits, and premium costs to find the best fit for your needs.
Medicare Supplement (Medigap)
Medicare Supplement, also known as Medigap, is extra insurance sold by private companies to help cover costs not paid by Original Medicare, like co-payments, co-insurance, and deductibles. It doesn't cover prescription drugs, so you may need a separate Part D plan. Important things to know: Medigap policies have standardized benefits, meaning the coverage is the same across companies, but premiums can vary.
Medicare Prescription Drug Plan (Part D)
Medicare Prescription Drug Plans, also known as Part D, are offered by private insurers to help cover the cost of prescription medications. They can be standalone plans or included in Medicare Advantage. Each plan has a formulary, a list of covered drugs, which can vary. Costs include premiums, deductibles, and co-pays, and there's a coverage gap where costs may be higher. It's important to choose a plan that fits your medication needs.
Dental & Vision Plans
Ancillary dental and vision plans can be a great addition for those on Medicare. Original Medicare doesn't typically cover routine dental or vision care, so having these plans can help with costs for services like cleanings, eyeglasses, and exams. They can reduce out-of-pocket expenses, promote overall health, and provide peace of mind. In addition to covering routine care, ancillary dental and vision plans can also help with unexpected expenses like dental procedures or vision correction.
Plan for Tomorrow, Today
Let us help you find the right Health Insurance or Medicare plan. Contact us for a personalized quote.
