INSURANCE SOLUTIONS DIRECT LLC
DEERFIELD BEACH, FLORIDA

Helping Secure Your Future in East Tennessee We Can Help You With Health Insurance Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment. In the United States, health insurance is often provided by employers as part of a benefits package. Medicare and Medicaid provide retired and low income citizens with health insurance coverage. Health insurance companies charge their customers a monthly premium for coverage, and in exchange the company agrees to pay all or most of the person’s medical costs. Even under the most generous plans, insured people must pay various out-of-pocket expenses for medical care. Primarily these expenses include copays and deductibles, which are up-front costs paid by the insured to medical professionals before they receive services. In contrast, public insurance is provided by the government to eligible individuals and families. Medicaid is a state-run government insurance plan offered at little to no cost to low-income people. Who qualifies and the coverage available varies from state to state. Medicare is available to all Americans over the age of 65 and people with certain disabilities. Medicare only covers a portion of medical expenses, and individuals often need supplemental coverage to go along with it. The percentage of health care costs that the insured must pay, even after they meet the deductible. For example, after meeting the deductible, the insured may be responsible for 20 percent of costs and the insurance company covers the other 80 percent. Provider: The physician, health care professional or facility that provides medical services to the insured. A primary care physician is the doctor that oversees the patient’s overall care and manages a wide range of services. The providers and facilities contracted to provide health care services for patients who have coverage with certain insurance plans. Prior approval from a health insurance company required before a patient can access certain health care services, medications or equipment.