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Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.
What is Health Insurance?
Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.
Health Insurance Types
⚫ HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
⚫ HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
⚫ These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
⚫ If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
⚫ High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans.
⚫ If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
⚫ A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness.
⚫ Catastrophic plans usually do not provide coverage for services like prescription drugs or shots.
⚫ Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
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I just want to commend BIA for their exceptional service that they're doing for their clients on behalf of Marlin Insurance Company. BIA rep are very prompt answering my questions and concerns and they posses excellent knowledge to get matters resolve quickly. You have a winner's attitude in BIA and I appreciate that they take their clients' need seriously and I'm pretty sure they're valuable member of your team.
BIA team are super knowledgeable and professional. They don't hardsell you on insurance but give you advice so that you can understand your needs and options. As a small business owner, I appreciate this approach. You will be in good hands.
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