Health Insurance
Discover the best health plan for you and your family today!
We specialize in providing personalized health insurance solutions tailored to your needs. Whether you're navigating Medicare, Marketplace/Obamacare, or private health plans, our dedicated team of licensed agents is here to guide you every step of the way. With access to a wide range of options from top-rated insurance providers, we ensure you find the coverage that fits your lifestyle and budget. At Lake Point Insurance, your health and well-being are our priority. Contact us today to discover why individuals, families, and businesses trust us for their health insurance needs.
What does health insurance usually cover?
Health insurance provides financial protection by covering medical expenses such as doctor visits, prescriptions, and hospital stays. You may pay a monthly premium to your insurance provider, which helps manage costs and ensures access to necessary healthcare services. After meeting a deductible, your plan typically shares the cost through copayments or coinsurance, with the insurance company covering the rest. This setup not only safeguards against high medical bills, but also grants access to a network of healthcare providers who offer discounted rates, ensuring affordable and comprehensive care when needed. Here is what they usually cover:
Doctor's visits
Depending on whether you're visiting your primary care physician or a specialist, the cost and benefits applied to a doctor's visit will vary. This also depends on the reason for your visit and any tests conducted. On average, co-pays for private insurance vary depending on the plan.
Urgent and emergency care
Insurance typically will help cover emergency room (ER) visits if it's a true emergency, ensuring you receive necessary care without financial burden. ER visit costs can be significant. In contrast, urgent care clinics are more affordable, with insurance often covering a significant portion of the visit cost. Choosing the appropriate care setting based on your medical needs and insurance coverage helps manage healthcare costs effectively while ensuring prompt treatment.
Prescription drugs
Insurance coverage for prescription drugs varies widely. The most common options include copays, where you pay a set amount (e.g., $10, $25, $50) for different tiers of drugs without needing to meet a deductible. Alternatively, coinsurance plans may involve paying a percentage of the prescription cost, with insurance covering the rest. Other options may require you to pay the full price until meeting your Max out of Pocket, after which the insurance covers all costs.
The averages mentioned above may not reflect your actual costs. Always check with your insurance provider for the most accurate information.
Evie G.
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LaNae O.
Dan and his team are excellent at navigating what is otherwise a very overwhelming ocean of insurance plans. They are great to present recommendations but then support you as you make the best decision for your situation. I recommend them to everyone!
Mikali C.
Dan and his team were fabulous to work with, got us coverage in a timely manner very affordable. Knowledgeable helped us understand what was best for our family and our employees. Thanks Lakepoint insurance!
Urgent Care vs. ER
When to visit urgent care instead of the ER.
When deciding whether to visit urgent care or the emergency room (ER), it's crucial to assess the severity of your medical condition. Emergency rooms are essential for catastrophic accidents or serious illnesses requiring immediate attention, operating around the clock. They can be expensive, with visits averaging about $2,200 annually for care in the US and longer wait times of approximately 2 hours. In contrast, urgent care clinics offer quicker service within about 30 minutes and are more affordable, costing around $112 for conditions like sinus infections, compared to $617 at the ER. Opting for urgent care is ideal for minor injuries or illnesses when your doctor's office is closed. It provides prompt medical attention, diagnoses, prescriptions, and referrals to the ER if necessary, ensuring efficient care without the high costs associated with emergency room visits.