Health Insurance

At Coleman Insurance Group, LLC, we offer comprehensive health insurance services designed to meet your unique medical, surgical, and hospital expense needs. Our expert agents will guide you through the available options to ensure you find the ideal plan for you and your family. There are two primary types of health insurance plans: fee-for-service and managed care. Both plans cover a wide range of medical services and often include prescription drugs and dental coverage.

Fee-for-service plans operate on the basis that the medical professional will receive payment for each service provided to the patient. Patients have the freedom to choose their preferred doctor, and claims can be filed by either the medical provider or the patient themselves.

Managed care plans, in which over half of Americans are enrolled, function differently and can encompass health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point-of-service (POS) plans. These plans offer comprehensive health services to members, providing financial incentives for using providers within the plan.

Long-term care is another essential aspect of health insurance, catering to individuals who require assistance with activities of daily living (ADLs) due to old age, mental or physical illness, or injury. Long-term care can be provided in various settings, such as nursing homes, adult day care centers, assisted living facilities, or at home.

Disability insurance is another crucial component of health coverage, available in two policy types: short-term disability (STD) and long-term disability (LTD). STD policies have shorter waiting periods and maximum benefit durations, while LTD policies entail longer waiting periods and extended benefit durations.

When selecting a disability policy, it's important to consider additional features such as non-cancellable policies, guaranteed renewable policies, and various optional provisions such as additional purchase options, coordination of benefits, cost of living adjustment (COLA), residual or partial disability riders, return of premium, and waiver of premium provisions.

At Coleman Insurance Group, LLC, our knowledgeable agents will help you navigate the complex world of health insurance, ensuring you find the best coverage to suit your needs and protect your well-being.