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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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Huff Insurance Write review for this local business
8349 Ritchie Hwy, Pasadena, MD 21122
(410) 647-1111  
When it comes to insurance, we've got all of your needs covered. We offer a long list of products, including automobile, life, health, dental and much more. Call our agents for insurance rates.
DC Health Care Inc
1 review: *****
429 Florida Ave NE, Washington, DC 20002
(202) 547-2008 Write review for this local business

"even though business hours are until five, people calling would have to wait ten minutes to have someone answer the phone call and if not the company would not return the phone call. ..."
Jolles Insurance Write review for this local business
5052 Dorsey Hall Dr Ste 203, Ellicott City, MD 21042
(410) 715-1611  
Our independent brokers specialize in health, life, and long term care insurance. We complete the upfront research, ongoing service, and make sure your family is taken care of during difficult times.
Hudson Health Service Write review for this local business
221 Broad St, Salisbury, MD 21801
(443) 260-0913  
Cooper Insurance Agency Inc Write review for this local business
105 High St, Salisbury, MD 21801
(410) 546-1377  
Migrant Clinicians Network The Write review for this local business
100 E Main St, Salisbury, MD 21801
(443) 944-0507  
EyeFit Vision Center of Salisbury Write review for this local business
2657 North Salisbury Boulevard, Suite 104, Salisbury, MD 21801
(410) 742-6148  
Carefirst Bluecross Blueshield Write review for this local business
224 Phillip Morris Dr, Salisbury, MD 21804
(410) 742-3274  
Health Insurance Counseling Write review for this local business
909 Progress Cir, Salisbury, MD 21804
(410) 742-0505  
National Association for The Self-Employed Write review for this local business
7745 Main St, Bethel, DE 19931
(302) 875-1906  
Integra Write review for this local business
110 S Shipley St, Seaford, DE 19973
(302) 629-4168  
Fellowship Health Resources Write review for this local business
123 W Stein Hwy, Seaford, DE 19973
(302) 628-3016  
State Farm Write review for this local business
1508 Market St, Pocomoke City, MD 21851
(410) 957-3585  
Genesis Healthcare Write review for this local business
525 Glenburn Ave, Cambridge, MD 21613
(410) 901-8500  
Clark-Helms Linda Write review for this local business
205 Johnson St, Cambridge, MD 21613
(410) 221-9990  
Bloomingdale Quick Mart Write review for this local business
307 Bloomingdale Ave, Federalsburg, MD 21632
(410) 754-8305  
United Health and Life Advisors Write review for this local business
9925 Stephen Decatur Hwy, Ocean City, MD 21842
(443) 664-5255  
Fellowship Health Resources Write review for this local business
12649 Dupont Blvd, Ellendale, DE 19941
(302) 422-3151  
Jorie Kent Associates Write review for this local business
207 E Venus Ln, Milton, DE 19968
(302) 684-4071  
Deco Recovery Management Write review for this local business
8603 Commerce Dr Ste 6, Easton, MD 21601
(410) 763-7475  
Blue Cross & Blue Shield Write review for this local business
301 Bay St, Easton, MD 21601
(410) 822-1850  
MD Statewide Health Network Write review for this local business
401 Purdy St, Easton, MD 21601
(410) 822-2397  

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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