Health Insurance

Health insurance is vital in covering your medical expenses, including treatments for serious conditions and preventive care. It can also help reduce the financial burden of necessary health care services. FLM Insurance agents are available to assess your situation, recommend suitable coverage options within your budget and help you select a plan.

What Impacts the Cost of Health Insurance?

Several factors can impact the cost of a health insurance plan. Primary factors include the type of plan you have, its terms (e.g., deductible), and how many people are covered under the plan. Reach out to FLM Insurance to learn more about the other factors that impact the cost of health insurance.

What Is an Insurance Network? Does It Impact My Coverage?

An insurance network refers to a group of health care providers who offer services to members of a specific plan. In-network providers have contractual agreements with the insurance company and offer discounted rates to plan members. You can maximize your coverage and minimize out-of-pocket expenses by receiving care from in-network providers. Conversely, seeking treatment from an out-of-network provider may result in higher costs or limited coverage.

How Does Health Insurance Enrollment Work?

Enrollment involves individuals or families signing up for coverage, usually during a specific open enrollment period once a year. Special enrollment periods may be available due to qualifying life events, such as getting married or having a baby. During enrollment, you’ll provide personal information, select your preferred coverage and compare plan options to ensure that the chosen plan meets your needs and budget.

FLM Insurance is dedicated to helping you determine the right coverage for your health care needs. Contact an agent today to learn more about health insurance or begin customizing your policy.