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Health Insurance

Coverage, quotes & plans

what is health insurance (1)

What is health insurance and why do I need it?

Most of us are required to have health insurance. Health insurance plans pay part, or all, of the medical expenses which you accrue. By purchasing a health insurance policy, you are protecting yourself against the possibility of large medical expenses which otherwise would have to be paid out of pocket. A health insurance plan which meets your individual needs is crucial to ensuring that you are covered for any care you may need throughout your life. Each individual will have unique needs and, if they are the right fit, partnering with a health insurance agency like Robert J Stillwell Agency can provide you with peace of mind.

Types of health insurance

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Dental insurance

Dental Insurance plans are designed to help you offset costs of dental work. Plans typically include two cleaning per year at no charge as well as payment of a percentage of additional work such as getting cavities filled or more expensive procedures like a root canal. Most plans come with a small deductible around $100 and cap annual benefits to around $1000-$1500 per year.

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Medicare and Medicaid

Medicare is a federal program that provides health insurance to those who are at least 65 years old, under 65 and receiving Social Security Disability for at least 24 months, or under 65 and have End Stage Renal disease.

Medicaid provides health coverage to those individuals who are low income and meet the income qualifications. Medicaid is administered by the state.

Medicare Supplements and Medicare Advantage plans are the primary health insurance options for those on Medicare. Those who qualify for Medicaid typically enroll in a Special Needs Medicare Advantage plan; however, there are other options available.

When is annual enrollment for health insurance?

The Annual Enrollment period for those on Medicare is from October 15th to December 7th every year.

Are you getting real value from your insurance agent?

If not, it might be time to consider an agent that offers more.

1009 N. Bethlehem Pike
PO Box 458
Spring House, PA 19477
9:00am – 4:30pm M-F

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