Personal health insurance has recently become much more attainable, and you might be surprised by how cheap and easy it is to get covered. If you are in Lee’s Summit, Shawnee, Kansas City or Overland Park, health insurance from Conrad Insurance Agency might be a sound option for you.
Different Types of Missouri and Kansas Individual Health Insurance Plans
- Fee For Service Plan- These plans offer the most flexibility, but can be the most costly. You choose the doctor you want to see any time. You usually have to pay the provider up front for services and then submit forms for reimbursement.
- Health Maintenance Organization (HMO) Plan- With an HMO, you have your general health care handled by a network provider via a primary care physician within the network. This physician will manage and coordinate all of your health care needs, including referring you to specialists.
- Preferred Provider Organization (PPO) Plan- A PPO includes a network of providers from which you can choose at any time. You do not need referrals to see other providers in your network, but you could face higher co-pays for seeing a doctor out of your network.
- Health Savings Account (HSA)- This is an account created for individuals who are covered under high-deductible health plans (HDHPs) to save for medical expenses that HDHPs do not cover. Contributions are made into the account by the individual or the employer, and are limited to a maximum amount each year. The contributions are invested over time and can be used to pay for qualified medical expenses, which include most medical care such as dental, vision and over-the-counter drugs.
Get an individual health insurance quote today from our local, independent Overland Park, KS agents servicing Kansas and Missouri for 30 years and counting.