At Hometown Insurance Services we help people everyday with their health insurance needs. Whether your need is an individual or family policy, small business policy or even international health when you travel, we have the carriers and plans available.
For quick quotes and online applications please click below or contact us and we will do the work for you!
INSTANT QUOTES
- Health Insurance Quote
- International Health and Travel Insurance
- Online Dental and Vision Quotes (Through Morgan White)
- Short Term Health Quote
Confused about Preventative Care and what is now covered under the new health care law?
Health Insurers have been mandated to cover certain preventative services with the passage of the Health Care Reform Law. Many of these services were already mandated in California. For a good article on what’s covered click here.
What kinds of health insurance are there?
There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
- Fee-for-Service
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient. - Managed Care
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
