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Individual Health Insurance

Helping People Find Affordable Health Insurance


We specialize in helping people, just like you, find Affordable Health Insurance plans that are right for their needs and budget. Get an instant quote from all of the major Health Insurance companies through our easy to use online quoting tool. We take the time to explain the benefits and differences in the plans in terms that we can all understand.

Did you know?


Health Insurance premiums are filed with and regulated by Government agencies. Whether you buy from Lewis Financial Insurance Services, Inc. another local or online agent or directly from the Insurance company, you will pay the same monthly premium for the same plan. This means that you can enjoy buying your Health Insurance plan from Lewis Financial Insurance Services, Inc., benefiting from their friendly, knowledgeable staff and rest assured that you are getting the best available price.

What is Health Insurance?


Individual & Family Health Insurance covers medical, hospital and prescription drug expenses. We all know how expensive a trip to the hospital can be, let alone a major illness like cancer. In fact, Medical Bills are the number one reason for bankruptcy in the United States.

The right Health Insurance plan can protect you and your family from financial hardship when medical issues arise and more importantly the right Health Insurance plans will give you access to the doctors you want and the care you need when you need it.

How Health Insurance works…


For a set monthly premium a Health Insurance company will cover your and your family’s medical expenses up to an unlimited dollar amount. One of the provisions in the new Affordable Care Act is that the Insurance companies cannot put a cap on what it will pay for your medical expenses for covered benefits. That is a good feeling to know that your medical coverage will not end when you need it. The amount of money you will have to pay out of your pocket will vary from plan to plan.

Health Insurance 101


Here are a few things you can look for and discuss with Lewis Financial Insurance Services Inc. to understand your plan and what your potential out of pocket expenses are:

Premium: This is the amount of money you pay every month to keep your Health Insurance policy active.

Deductible: This is the amount of money would have to pay out of your pocket for medical expenses before the insurance company pays. This amount can vary from plan to plan. Usually, it is between $500 and $5000. The higher the deductible, the lower the monthly premium. Normally, there are a few benefits that are offered “deductible waived”. Meaning, that you get these benefits covered before having to meet the deductible. Some of these benefits might include Preventive Care benefits and Doctor Visits. (Doctor Visits would usually still have a copayment)

CoPayment: Is a fixed dollar amount that the insured pays when a covered medical service is received. For example, a Doctor Office visit could have a copayment of $30 per visit.

Coinsurance: A stated percentage of medical expenses that the insured has to pay after the deductible amount, if any. It generally has a cap dollar amount, which can be different on each policy. An example of Coinsurance is 25% of covered medical expenses up to a $3500 maximum.

Maximum Out of Pocket (MOOP): The maximum amount the insured has to pay for medical expenses. This is usually the accumulative of the Deductible and Coinsurance. Premium is not calculated into the MOOP and copayments usually are not counted toward the MOOP and the insured usually continues to pay copayments even after the MOOP has been met.

Knowing some of these terms will help you better determine the Individual Health Insurance plan that is right for you.

Call us today to learn more about the Affordable Health Insurance Plans available to you.