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Important Terms to Know About Health Insurance
Health insurance is a major part of any employer’s package to its employees. But even if you’re not working, you can still sign up for health care coverage. Healthcare insurance is crucial in today’s society, as it protects you in the event you get sick or hurt. Your health insurance plan may cover some, most or all of a surgical procedure, office visit, emergency room visit or minor procedure. The coverage you get varies on the type of plan you sign up for. Here are some important terms for health insurance.

PPO: Preferred provider organizations, or PPO for short, is a managed care organization comprised of health care providers and doctors who provide health care at lower rates to a client’s insurer. This subscription-based medical care option offers big discounts below standard rates for doctors and other health care professionals who belong to the organization.

HMO: Health maintenance organizations, or HMO for short, are organizations that offer managed care for health insurance in partnership with hospitals and doctors. Patients need to have a primary care physician, from whom all referrals to specialized services must be approved.

Deductible: The amount that one must pay out of pocket before the insurance company will pay expenses.

Capitation: A set amount that a patient or the employer pays to an HMO whether or not the patient utilizes the services the HMO offers.

Co-insurance: Also known as a co-payment, this is the amount a patient is required to pay for a service after a deductible has been met. You may pay co-insurance each time you visit the doctor, for example.

National Center for Assisted Living
When you find a health insurance carrier through our association, you can rest assured. Only the most reputable health insurance agents and agencies are listed with our national association.
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American Association of Health Plans
If you're looking for the most dependable health insurance agents in the country, check our respected directory. Making sure you can find the perfect health care agent or provider for your needs.
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Association for Long Term Care Insurance
Our association is dedicated to highlighting the awareness of health care and insurance needed for those in long term care. Make sure your loved ones are always taken care of.
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STANDARD LISTINGS:   HEALTH-INSURANCE IN/NEAR CLARKSTON
Martin Insurance Inc Write review for this local business
1122 Idaho St, Lewiston, ID 83501
(208) 743-6543  
Martinson Insurance Write review for this local business
1314 G St, Lewiston, ID 83501
(208) 743-3503  
Blue Cross of Idaho Write review for this local business
1010 17th St, Lewiston, ID 83501
(208) 746-0531  
Blue Cross of Washington Write review for this local business
618 D St, Lewiston, ID 83501
(208) 743-5441  
American Insurance Write review for this local business
55 Southway Ave, Lewiston, ID 83501
(208) 746-9646  
Facility Medical Records Association Write review for this local business
908 Vista Ave, Lewiston, ID 83501
(800) 630-5240  
Camas Prairie Insurance Write review for this local business
608 King St , Cottonwood, ID 83522
(208) 502-1956  
White Insurance Agency Inc Write review for this local business
12705 Plum St, Kendrick, ID 83537
(208) 289-8000  
Eagle Meadows Write review for this local business
550 E Whitman Dr, College Place, WA 99324
(509) 302-2208  
Eagle Springs Memory Care Community Write review for this local business
20 SE Larch Ave, College Place, WA 99324
(509) 525-6335  
Wildflower Lodge Write review for this local business
508 16th St # OFC, La Grande, OR 97850
(541) 663-1200  
Reimbursement Quality Write review for this local business
112 N University Rd, Spokane, WA 99206
(509) 413-2705  
All Lines Insurance Write review for this local business
9203 E Trent Ave, Spokane, WA 99206
(509) 928-1111  
Interactive Medical Systems Write review for this local business
9514 E Montgomery Ave, Spokane, WA 99206
(509) 926-4069  
Community Health Plan of Washington Write review for this local business
23403 E Mission Ave, Liberty Lake, WA 99019
(509) 892-5600  
Pat DeHan Write review for this local business
Spokane, WA 99204
(509) 939-2723  
Regence Blueshield of Idaho Write review for this local business
610 W Hubbard St Ste 129, Coeur D Alene, ID 83814
(208) 667-2761  
Arcadian Health Plan Write review for this local business
1330 N Washington St, Spokane, WA 99201
(509) 323-7150  
Spokane Dental Insurance Write review for this local business
421 W Riverside Ave Ste 1040, Spokane, WA 99201
(509) 624-3338  
Blasingame Insurance Agency Write review for this local business
200 N Argonne Rd, Spokane, WA 99212
(509) 891-1000  
Journey to Wellness Counseling Write review for this local business
2005 Ironwood Pkwy Ste 119, Coeur D Alene, ID 83814
(208) 769-9373  
Symed LLC Write review for this local business
1250 W Ironwood Dr Ste 310, Coeur D Alene, ID 83814
(208) 666-2180  

Health insurance helps cover the cost of care if you become ill or injured, protecting you from costly medical bills. If you don't have coverage through your employer, you can personally purchase an individual plan. Choosing the right health insurance to fit your needs is critical to ensure your claims will be covered. Asking these important questions is a great way to start your comparison of the coverage available in your area.

  • What does this plan include?
    Most health insurance plans cover medical-related expenses only. Dental and vision coverage usually require the purchase of separate policies. Make sure that you purchase a plan that covers prescriptions, preventative doctor's appointments, surgeries and emergency hospital visits.

  • What are the costs associated with this plan?
    In addition to your monthly premium, you'll likely have to pay other costs for your insurance. Some policies require you to make a co-payment when you visit the emergency room or your doctor. Others have a deductible, which you must pay before the health insurance will cover the cost of your claims.

  • Are there any maximums on this policy?
    Personal plans may limit how much each individual can claim per calendar year or how much your entire family can claim. Some policies also have lifetime maximums per illness or general caps on how much the policy will cover in total for as long as you have it.

  • Does this policy cover preexisting conditions?
    Some plans will not cover preexisting conditions for a set number of days, such as one to three months from the policy's effective date.

  • Can I choose my own doctor and am I free to see a specialist?
    Depending on your plan, you may have to select a doctor from a network approved by the insurance company. Care plans may also require you to get a referral from your primary doctor before seeing a specialist.


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