Health from Brush Insurance Agency, Dayton (lakeshoreinsurance.com):
Let's face it, medical treatments aren't cheap. Without health insurance coverage you could end up paying off
medical bills for the rest of your life. Brush Insurance Agency can help you find an affordable healthcare plan that's
right for you.
There are basically three major types of health insurance policies for Ohio residents to choose from–consumer-
directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and
hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs,
depending on the coverage you choose.
A consumer-directed health plan (a.k.a. "consumer-driven" or "consumer choice") is a newer type of healthcare plan
that's designed to give you more control. As part of the plan, you setup a health fund that can be used to cover
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every
healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility
when choosing a physician or healthcare provider.
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you
can only receive treatment from physicians that participate in the managed care network. Typical managed care
plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of
service (POS) plans.
When discussing health insurance with a Brush Insurance Agency agent, it helps to understand some of the
common terms you'll run into. Below you'll find definitions to some of the most common health insurance terms.
Deductible–the amount of money you pay toward medical bills before your insurance coverage begins.
Co-pay–a specified amount of money you pay upfront for doctor visits and prescription refills.
Coinsurance–the percentage of medical bills you pay after meeting the deductible.
To learn more about health insurance, call Brush Insurance Agency and talk with one of our agents today. We're
right here in Ohio, ready to guide you toward a more secure future.