health insurance with Block Insurance





“Choosing the right health insurance plan can have a massive financial impact on both a family and a business. Our agents will help you choose the right plan, whether you are looking for coverage for yourself, your family, or your employees.”





health insurance with Block Insurance




What type of plan are you looking for?




employees

Group Plan

  • PPO/HSA markets (AR BCBS/Qualchoice/United) for groups as small as 2-3 employees
  • Profit-sharing (Cigna) markets for groups of 10+
  • High deductible options

family

Individual/Family Plan

  • Traditional markets (AR BCBS) for individual and family



health insurance graphic


Healthcare FAQ




What should I expect from my agent in regards to healthcare?

As your health insurance experts, our agents will not only help you select the right plan to fit your budget, but also help you navigate the confusing landscape of healthcare. Huge bill at the pharmacy? Our agents can help make sure you pay the lowest copay possible. Large increase (more than 10%) in your yearly premium at renewal? Our agents will consistently shop the market to make sure you aren’t overpaying for coverage.


What are the different types of plans?

There are multiple types of health insurance for you to choose from. Block Insurance can help you choose the plan that provides the best coverage for you and your family.

  • Health maintenance organizations (HMOs) - HMOs give you a local network of providers to choose from. You will select an in-network provider, and they coordinate your care and give you a referral to another in-network specialist if needed. The copays and coinsurance are typically lower than other health plans as long as you stay in-network.
  • Exclusive provider organization (EPOs) - EPOs offer a network of participating providers, but they do not include coverage for out-of-network care except for emergencies. If you visit a provider outside of the local network, you will most likely have to pay the full cost of service. However, you do not need a referral from a primary care provider to see a specialist.
  • Point of service plan (POS) - These plans combine HMO and PPO plans. The provider network is generally smaller than a PPO plan, and the costs for in-network care are usually lower, like an HMO. With a POS plan, you have to choose a primary care provider. You are required to get a referral for a specialist. However, you can also see specialists in-network and out-of-network, but if you see an out-of-network provider the costs are higher and you must file any claims yourself.
  • Preferred provider organizations (PPOs) - PPOs offer a large network of providers, including doctors, hospitals, and other providers. You can also see providers out of the plan’s network, but you will pay more out of pocket. You are not required to have a primary care provider, and you can see specialists without a referral.

To learn more about health insurance, call and talk with one of our agents today. We’ll guide you toward a more secure future.


What is a copay?

A copay is a specified amount of money you pay upfront for doctor visits and prescription refills.


Why are my costs high earlier in the year….and what is a deductible?

Your deductible is the amount of money you pay toward medical bills before your insurance coverage begins. If you haven’t met your deductible you may pay full price at the doctor or pharmacy until the deductible is met.


What is coinsurance?

Coinsurance is the percentage of medical bills you pay after meeting the deductible.



What can I do to reduce my monthly premium?

One option would be looking at increasing the deductible on the plan. This will increase out of pocket spending in the first few months of the plan, but will reduce the monthly premium. Another option would be ask for quotes and see what other carriers in the market may offer.



Why are my prescriptions so expensive?

Prescription costs have been rising exponentially over the past decade. Is your current agent helping you reduce your pharmaceutical spend? At Block, we have a team dedicated to do just that. Click below for more information on the rising cost of pharmaceuticals.

Why does cyber insurance matter in the medical world?

The medical industry is under cyber attack every day; without proper protection, the liability risk is high. Learn more about why having cyber insurance is crucial for the medical world.






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