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Healthcare insurance is an important commodity when considering you and your family’s health and future. Most modern employers will provide some sort of base level healthcare insurance, but in most cases this may not be sufficient for you and your family’s needs. A good healthcare plan will reduce or eliminate costs from doctor or hospital visits, sudden illness or injury, or prescriptions. If you are self-employed, unemployed, or your employer provided healthcare is not sufficient for your needs, it may be time to shop for a new or additional healthcare plan.

When shopping for the right healthcare plan for your needs, it is important to consider your health needs, family needs, budget, age, and your lifestyle to make the most informed decision possible. When choosing a healthcare plan there are two general types of insurance you will encounter – indemnity and managed care plans. The differences between the two usually deals with how the insurance pays you or the doctor you are visiting.

In an indemnity type healthcare plan, you are free to choose the doctor you feel most comfortable with, but you typically have to pay for all visits up front. After your visit the insurance company will typically send you a refund for the part the insurance company agreed to pay.

Managed-care health-care plans differ from indemnity plans in that the insurance company typically pays the prearranged amount at the time of your visit minus your deductible. This type of plan also does not allow freedom when choosing a doctor and the insurance company typically gives you a list of doctors to choose from.

Our customers from Portland, Lewiston, Bangor, South Portland, Auburn, Biddeford, Augusta, Saco, and many other great cities throughout Maine use our services to find the most affordable home insurance policies. You will find that our vast network of life insurance agents and brokers is a great resource for finding the right healthcare insurance coverage for your needs.