top of page
Individual Health Insurance
Whether you're looking for health insurance for yourself or your family, there's an overwhelming amount of options. From the federal marketplace to direct options, high to low deductible, high to low out of pocket max, etc... it's endless! We're here to help you navigate all of your options, pick a plan that best fits you and educate you on how to use the plan! Additionally, we'll complete the full application for you, be a continuous resource for you and best of all, working with us is completely free to you!
Individual & Family Health Insurance Plans Terms & Definitions
Deductible: A specified amount of money that the insured must pay before an insurance company will pay a claim.
Coinsurance: The percentage of an insurance claim that is the responsibility of the insured, once the deductible is met.
Co-Pay/Co-Payment: A relatively small fixed payment to be paid by the insured for covered care at a health care provider or pharmacy.
Drug Formulary: A list of drugs covered by a health insurance plan.
Preventive Care: Routine healthcare, including check-ups and screenings to prevent illness and disease.
In-Network Provider: Doctors and other health care providers that have agreed to accept a contracted rate as payment in full for services billed to your insurance company.
Out-Of-Network Provider: Doctors and other health care providers that have not agreed to accept a contracted rate as payment in full for services billed to your insurance company.
HMO: Health Maintenance Organization, a health insurance structure that manages patient care by coordinating the relationship between patient, health care provider and insurance company.
PPO: Preferred Provider Organization, coverage is provided to policyholders through a network of clinics and hospitals. Policyholders may obtain care outside the network but will pay higher out-of-pocket costs.
HRA: Health Reimbursement Account, employer funded account used to reimburse employees for qualifying medical expenses.
HSA: Health Savings Account, tax favored, individually owned savings accounts available to US taxpayers enrolled in high-deductible health plans (HDHPs). HSA deposits may be used to pay for qualifying medical expenses.
PPACA (Health Care Reform/Obamacare: Patient Protection Affordable Care Act, the sweeping healthcare bill signed into lay by President Barack Obama on 3/23/2010.
Exchange/Marketplace: A major element of Obamacare. these federal and state websites and call centers are utilized to determine federal tax credit eligibility. These tax credits are used to reduce health insurance plan premiums.
At Ezra, we know Individual & Family Health Insurance!
bottom of page