HEALTH INSURANCE
At Jensen Insurance, we’re more than just a provider of affordable health insurance plans — we’re your one-stop shop for a wide range of insurance options. Partnering with many of the nation's top carriers, we offer coverage that can include discounts for labs, pharmacies, primary care physicians, radiology services, and urgent care centers. We pay attention to every detail when it comes to your insurance needs, ensuring that you receive reliable service you can trust.
Health Insurance Options
Health Maintenance Organizations (HMO)
A Health Maintenance Organization (HMO) is a managed care health plan that offers lower co-payments and covers more preventive services. However, your choice of healthcare providers is limited to those within the HMO network, and the range of treatments available to members may be more restricted.
Preferred Provider Organizations (PPO)
Preferred Provider Organizations (PPOs) provide the benefit of lower co-payments, similar to HMOs, but with added flexibility when selecting a healthcare provider. Unlike HMOs, PPOs allow you to choose from a broader range of doctors and hospitals within a network of preferred providers, giving you more options for your treatment and care.
Traditional Fee-for-Service Health Insurance Plans
Traditional Fee-for-Service Health Insurance Plans offer the most flexibility when it comes to choosing healthcare providers. You pay for medical services upfront, and the insurance company reimburses a portion of the costs. These plans typically have higher out-of-pocket expenses, such as deductibles and co-insurance, but they allow you full control over your healthcare choices.
Choosing the Right Health Insurance
Selecting the right health insurance plan depends on your healthcare needs, budget, and preferred level of flexibility. It's essential to compare different plans, understand their benefits and costs, and consider consulting with an agent at Jensen Insurance to find the best fit for your situation.