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Health Insurance Plans

We have health plans tailored to you

If you are searching for health insurance, you are entering into territory that can be tiring for many Americans.

 

Finding the right plan at the right price can be a daunting task without the help of an insurance agent who specializes in healthcare plans day-in and day-out.

 

We understand the problems many individuals face when selecting health insurance, so we are able to shop the market for you and find plans and price points for every budget.

 

When working with FMIG Health, you will receive:

 

Free quotes

Insurance plan comparison

Consultative approach

Dedicated health insurance agent

Private relationship with company and no information is shared with other parties

FMIG Plan Details

The benefits outlined are simplified. Please refer to the actual product brochure for specific plan details and benefits.

Basic (Lowest Cost)

Basic

Deductible $5,000
Coinsurance 50%
Out of Pocket Max $10,000
Included (State Guidelines) 100%
PPO Repricing /Deductible $35 Copay
Specialists PPO Repricing /Deductible
Prescriptions PPO Repricing
Certified Urgent Care Centers $50 Copay
Emergency Room Illness PPO Repricing /Deductible
Emergency Room Accident PPO Repricing /Deductible
Outpatient Advanced Imaging Illness PPO Repricing /Deductible
Outpatient Advanced Imaging Accident PPO Repricing /Deductible
Outpatient Surgery Illness PPO Repricing /Deductible
Outpatient Surgery Accident PPO Repricing /Deductible
Inpatient Hospitalization Illness PPO Repricing /Deductible
Inpatient Hospitalization Accident PPO Repricing /Deductible
Critical Illness Replacement Income -
Life Insurance -

Standard (Best Value)

Standard

Deductible $5,000
Coinsurance 100%
Out of Pocket Max $5,000
Preventative Care/Wellness Included (State Guidelines)
Doctor Visits PPO Repricing/Deductible
Specialists PPO Repricing/Deductible
Prescriptions PPO Repricing
Certified Urgent Care Centers $50 Copay
Emergency Room Illness PPO Repricing /Deductible
Emergency Room Accident $250, then 100%
Outpatient Advanced Imaging Illness PPO Repricing /Deductible
Outpatient Advanced Imaging Accident $250, then 100%
Outpatient Surgery Illness PPO Repricing /Deductible
Outpatient Surgery Accident $250, then 100%
Inpatient Hospitalization Illness PPO Repricing /Deductible
Inpatient Hospitalization Accident $250, then 100%
Critical Illness Replacement Income $10,000
Life Insurance $10,000

Premier (Best Coverage)

Premier

Deductible $5,000
Coinsurance 100%
Out of Pocket Max $5,000
Preventative Care/Wellness 100%
Doctor Visits $35 Copay
Specialists $50 Copay
Prescriptions 10/40/150 Copay Card
Certified Urgent Care Centers $50 Copay
Emergency Room Illness PPO Repricing /Deductible
Emergency Room Accident $250, then 100%
Outpatient Advanced Imaging Illness PPO Repricing /Deductible
Outpatient Advanced Imaging Accident $250, then 100%
Outpatient Surgery Illness PPO Repricing /Deductible
Outpatient Surgery Accident $250, then 100%
Inpatient Hospitalization Illness PPO Repricing /Deductible
Inpatient Hospitalization Accident $250, then 100%
Critical Illness Replacement Income $10,000
Life Insurance $10,000
Health Plans

FMIG Health offers health plans from leading carriers

At FMIG Health, we offer a mix of health insurance plans to help you live your best life.

 

Life changes and other occurrences can signal the time when you should explore individual health insurance plans. If you’ve changed jobs, marriage status, or turned 26, you may be searching for individual plans.

 

At the same time, families may be searching for new plans which accommodate their changing stages of life as well.

 

For small business plans, our plans serve business owners and employees looking for distinct options at an affordable price.

GET A QUOTE

Individual Health Plans

If your company does not offer group health insurance or if you have found the healthcare exchange to be too expensive and confusing, FMIG Health is here to help.

 

We offer a variety of health plans for individuals from providers like Blue Cross Blue Shield, Cigna, Humana, and many more.

 

If you want to ensure that you can keep your doctor in-network, shop based on cost, or increase your coverage, contact FMIG for a quote. We can help you assess your needs and budget and find the perfect health plan.

Family Health Plans

family health plans

Affordable health insurance that helps keep your family healthy is critical. Many times, families are priced out of good plans on the healthcare exchange.

 

FMIG Health is here to help. We offer a variety of health plans for families from providers like Blue Cross Blue Shield, Cigna, Humana, and many more.

 

Finding the right insurance plans for a family can be challenging, but understand items such as the level of care each family member needs can go a long way in selecting the right plan.

Health Insurance FAQ

Why do you need health insurance?

In short, you need health insurance to protect you from high medical costs. Unexpected costs to the hospital or medical center can be high if you are not insured. Of course, no one plans to get sick or hurt, but being protected should be a priority for individuals and families.

Is it better to not have insurance?

In the long run, you should have insurance. Above all, if you don’t have insurance, medical costs may be higher than they would if you were insured. In addition, you may pay a penalty on taxes if you aren’t insured.

What does health insurance cover?

Prescription drugs, medical visits, hospital visits, and overall wellness care are usually covered in most health insurance plans. The cost and percentage covered depend on the plan and type of coverage. Cosmetic procedures or any elective procedures aren’t usually covered in most plans.

How much does health insurance cost?

The price of health insurance premiums can vary depending on coverage needs, deductible amounts, and companies that offer health insurance in your area. FMIG Health consults with you on your needs and helps you find a plan that works with your coverage needs and budget.

How does health insurance work?

Health insurance covers you against large health-related medical expenses.

 

Therefore, you pay a monthly health premium and have a set deductible amount that you pay out of pocket.

 

Once that deductible is met, health insurance covers most expenses throughout the rest of the year. You are able to set a low or high amount for your deductible, affecting your monthly premium amount.

What is the difference between a PPO network and HMO network?

PPO

A PPO stands for Preferred Provider Organization.

 

This simply means that a doctor is preferred within your health insurance provider coverage and offers a lower cost to you and the insurance company.

 

However, you can still go to a doctor outside of the PPO, but it may cost you more out of pocket.

 

HMO

On the other hand, HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket.

 

PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of the network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

How do I know if my doctor takes my plan?

When obtaining a quote, FMIG Health will sell you a plan from a major health insurance provider.

 

These providers will have a list of doctors that are in their network listed on their website.

 

At the start, if you would like to keep a specific doctor, please include that information beforehand so we can sell you a plan that includes your doctor.

What is a deductible and how does it work?

The deductible amount is the amount you pay out of pocket in a given year. After that amount is paid, health insurance will cover most if not all of the cost for the rest of the year.

 

As a result, deductibles can be set at a low level, resulting in a more expensive monthly premium, or a high level, resulting in a less expensive monthly premium.

How do I find the best health insurance rates?

FMIG Health has the ability to shop multiple health insurance providers to match you with the best coverage, network, and price.

 

We offer many low-cost plans with basic coverage. Part of our job is to discuss your health needs and doctor preference so we can ensure a good fit for you that meets your budget.

 

Regarding preferred rate health plans, they are reserved for people with optimum health. This can be based on previous health history, age, weight, and other good health habits.