An angioplasty procedure in Jacksonville can cost $30,000 to $80,000, whereas an MRI would cost about $500 to almost $1,500. Without health insurance, you may spend all your savings on hospitalization alone, not to mention prescription medications, which can cost more. A health insurance policy helps you save money and ensures you get the protection you need during medical emergencies.

Why is Health Insurance Important?

Health insurance is crucial in ensuring individuals have access to necessary medical care. It is a contract between the policyholder and the insurance provider that offers coverage for various healthcare services, such as hospitalization, prescription medications, surgeries, and outpatient procedures. In addition to these benefits, some insurance companies even provide policyholders with access to fitness and nutrition classes, promoting overall health and well-being.

For Jacksonville residents, the high hospitalization costs make having a health insurance policy even more essential. Exploring the different health insurance plans available in Jacksonville is advisable or speaking to an experienced agent who can provide detailed information on the various options. By obtaining a health insurance policy, individuals can ensure they have the financial protection needed to receive quality healthcare when necessary.

Factors to consider when choosing a health insurance plan:

  • Coverage Benefits: How much is the entire coverage, and what do they include? Find out if the insurance plan offers annual check-ups, prescription medications and outpatient benefits. It might be best to find out if the insurance plan also includes maternity coverage for female applicants. Also, find out if it also covers pre-existing conditions.
  • Premiums: An insurance premium is paid monthly, quarterly, or annually to keep the insurance policy active. You may expect a higher premium if you want more coverage.
  • Provider Networks: Provider networks are the list of doctors and hospitals included in the coverage. Is your doctor part of the provider’s network? What about the medical center near your home? Before getting a policy, determine if the hospital near you is also covered.

Find out if you can also get a discount when you cover more family members, pay the premium in a lump sum, or purchase a three-year policy.

Types of Health Insurance Plans Available in Jacksonville

Residents 65 years and older or with a disability can sign up for Medicare Part C plans, including $0 premiums, dental, vision, and hearing benefits, and a broad network of doctors and prescription drug coverage. Other Medicare insurance health plans include Part D plans and Medigap.

An individual health insurance plan is a policy that you pay by yourself. Freelancers and solo entrepreneurs will need this type of insurance policy. When you’re employed, an employer may offer an HMO plan where you pay part of the coverage and the company pays the rest.

Whether you’re an individual seeking health insurance or a business looking to insure your employees, you need the right health insurance provider who can give you better coverage. We recommend not rushing to buy a health insurance policy to avoid getting insufficient coverage. Work with a knowledgeable and experienced agent who can help you make an informed decision. And this is where Thomas and Associates come in. We can help you find the right insurance health insurance in Jacksonville. Contact us today.