Health Insurance Plans

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Health Insurance
ChiroSecure works closely with our experienced underwriters to assist you in getting the best policy coverage and premium. We have several different policies to fit your life insurance needs.
One has no control over the happenings and mis-happenings in their life.  Though there may not be any way to predict or prevent these uncomfortable situations there is a way to financially prepare yourself and your family by obtaining health insurance. Health insurance can help ease the financial burden when medical treatment or prescriptions are needed whether it is planned or an emergency.

Product Description
Health Insurance is a policy that agrees to pay a pre-determined percentage of the insured’s covered medical expenses for treatment, services and medications in exchange for a payment of the policy(this can be a yearly payment, or some companies will allow you to finance and make a monthly payment).  There are several different types of policies that can be purchased depending on the insured’s preferences on premiums, coverage and pre existing conditions that will need to be covered. 

Types of Health Insurance
There are two major types of health insurance plans. These plans are then further broken down by policy.
The first type of health insurance is Managed Care Plan. Managed Care Plans fall into three categories. All are essentially networks to provide contracted services by specific providers at contracted prices:

• PPO (Preferred provider organization plan)- An indemnity plan where coverage

is provided to participants through a network of selected health care providers (such
as hospitals and physicians). The enrollees may go outside the network, but would
incur larger costs in the form of higher deductibles, higher coinsurance rates, or nondiscounted
charges from the providers.

• HMO (Health maintenance organization)- A health care system that assumes both

the financial risks associated with providing comprehensive medical services
(insurance and service risk) and the responsibility for health care delivery in a
particular geographic area to HMO members, usually in return for a fixed, prepaid
fee. Financial risk may be shared with the providers participating in the HMO

• POS (Point-of-Service)- A POS plan is an "HMO/PPO" hybrid; sometimes

referred to as an "open-ended" HMO when offered by an HMO. POS plans resemble
HMOs for in-network services. Services received outside of the network are usually
reimbursed in a manner similar to conventional indemnity plans (e.g., provider
reimbursement based on a fee schedule or usual, customary and reasonable charges).

The next main type of plan is Indemnity Plans. These plans allow individuals to seek medical assistance whenever they need. The individual is able to see physicians or specialists as often as they see fit. There are no restrictions when seeking medical treatment when on this plan, however this plan is by far the most expensive of all heath insurance plans.

What affects the cost of the policy?
As with most insurances, there are a number of factors taken into consideration with health insurance when determining the cost. The health history of yourself and your family will play a factor on the cost.  Any preexisting conditions will be considered.  Another thing that may influence the price is the age of the insured. Lastly, criminal offenses on the insured’s record will be reviewed and can greatly impact the insurability of individual.