Health Insurance
Navigate the confusing world of health insurance with help from an independent agent.
Ensuring the well-being of yourself and your loved ones is paramount, and Theriot, Duet & Theriot is here to help you achieve that through a comprehensive health insurance policy. We understand the importance of maintaining a healthy body, and our health insurance plans are designed to provide you and your family with the necessary coverage to protect your overall well-being. With our policies, you can have the peace of mind knowing that your health is safeguarded and that you have access to quality medical care when you need it most.
t's no secret that medical treatments can come with hefty price tags. However, without the security of health insurance coverage, the burden of medical bills could potentially follow you for a lifetime. That's why it's crucial to invest in a health insurance policy that shields you from the financial strain associated with medical expenses. By choosing Theriot, Duet & Theriot's health insurance coverage, you can avoid the risk of overwhelming medical bills and focus on your well-being, knowing that your healthcare needs are protected. Don't leave your health and finances to chance—let us be your trusted partner in securing your health and future.
Theriot, Duet & Theriot can help you find an affordable healthcare plan that’s right for you. Call (985) 475-5126 and talk with one of our friendly agents today to learn more.
Major Types of Health Coverage
There are basically four major types of health insurance policies to choose from EPO, HMO, POS, and PPO.
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.
- Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
- Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
- Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
- Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
Common Health Insurance Terms
When discussing health insurance with your 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.
- Co-insurance — the percentage of medical bills you pay after meeting the deductible.
To learn more about health insurance, call us and talk with one of our agents today. We’re ready to help guide you toward a healthy more secure future.