Health Insurance

Good Decisions Today for a Healthy Tomorrow.

Even those who prioritize their wellness and maintain a safe and healthy lifestyle may eventually need to manage injuries, illnesses and other conditions. Fortunately, health insurance can be a valuable tool for achieving financial security and peace of mind. Still, plans can be complicated and their details may vary significantly. As such, it’s essential for policyholders to ensure they not only acquire coverage but also understand it fully.  

What Is Health Insurance? 
Health insurance plays a vital role in protecting individuals and families from the financial burdens associated with medical expenses. These policies act as contracts between an individual and an insurance provider and offer financial assistance for medical costs. Policyholders can access a wide range of medical services and treatments by paying a regular premium. Coverage and terms of each health insurance plan may vary, so review the policy documents to understand what is included. 

What Does Health Insurance Cover? 
Health insurance plans typically cover a broad spectrum of medical expenses, but the extent of coverage varies depending on the plan. Common services covered by health insurance include consultations with health care providers, preventive care, access to prescription medications and emergency procedures. Some plans may also include coverage for specialized treatments, rehabilitation services, and alternative therapies. 

How Does Health Insurance Work? 
Health insurance functions through a system of shared costs between the policyholder and the insurer. When an individual seeks medical care, they typically pay a deductible amount before the insurance coverage kicks in. The deductible is a predetermined sum the policyholder must pay out of pocket before the insurance company starts sharing costs.  

Depending on the plan, there may also be copays and coinsurance amounts associated with certain services even after your deductible is met. For instance, you may be required to pay a copay for a doctor’s visit or prescription medications. Your agent can help you understand these costs and how they may apply to your specific health insurance policy. 

Get the Right Coverage 
At Prairieland Insurance Group, part of our mission is to help families and individuals in Champaign and throughout central Illinois identify and address their health insurance needs. Our agents have the knowledge and experience to assess your circumstances and help you select the right plan. Contact us today to get started.