OâConnor Insurance is an independent insurance agency. Â We are able to help you choose from a variety of health insurance carriers to find the best coverage for your family or business.
Health insurance can be provided following two broad models for both individuals and group policies:
Low Copay/Low DeductibleÂ – There are many plans, particularly Health Maintenance Organizations (HMOs) or Preferred Provider Organizations that provide low-copay/low deductible plans. Â Monthly premium costs are higher, but the low copays for doctor visits and prescription drugs are meant to encourage good health maintenance for policyholders.
High Deductible/Catastrophic/Major Medical + Health Savings AccountÂ – High-deductible plans with a Health Savings Account (HSA) are an affordable choice for individuals and families. Â Insured persons manage their own routine health care expenses and depend on insurance to cover health expenses that exceed the amount of the deductible. Â Savings placed in the insuredâs HSA can be deducted from their taxable income and used for their out-of-pocket expenses including.
- Dental Care
- Eye Care – Vision Screening, Glasses, Contacts
- Hearing Aids
- Medical and First Aid Supplies – Bandages, Wraps, Crutches
If you are a business looking for coverage for your employees, or an individual or family looking for an affordable health insurance plan, the independent agents at OâConnor Insurance can explain in detail the features and benefits of the health insurance options available. Â We are confident we can find a policy that will both fit your budget and provide peace of mind.