Hairston and Associates offers quality health insurance at affordable prices to the residents of Spring, Kay, and Tomball. Shopping for health insurance often means finding a policy that keeps your family healthy and happy without overspending. Our experienced agents are here to help you choose a policy from a major insurance company that meets your needs and fits your budget.
Health insurance has undergone significant changes in recent years. The Affordable Care Act has made healthcare accessible to millions of Americans who were previously unable to receive it. Some individuals experience 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.
Purchasing health insurance can seem like an overwhelming and complicated task. At Hairston and Associates, we are familiar with the many different types of insurance plans available in Texas 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.
Plans will vary based on the healthcare providers that are covered in your plan, what types of procedures are covered, and what fees you may pay out of pocket. Some of the most 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. HMOs 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 can see specialists within the network without a referral. Out-of-pocket expenses are lower when staying within your network. This is an option for those who want more freedom with care 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 need 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. Plans vary based on how much you wish to spend on premiums, copays, and deductibles. At Hairston and Associates, we will walk you through each of the different plan levels so that you can make the best decision.
We also offer Medicare health plans to Texas 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 Hairston and Associates, we want 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 Spring, Kay, or Tomball. Contact us today for a free health insurance quote.