Category: Health Insurance

With health insurance within a Kansas company, you’ll often choose between group and individual insurance. 

Group Health Insurance

Most employers provide group health insurance to their employees as a benefits package. 

Pros:

• Cost Sharing: Group insurance premiums are often shared between employers and employees, making it more affordable than individual coverage.
• Guaranteed Issue: Group policies usually accept all eligible members without requiring a medical exam or underwriting, making it accessible for pre-existing conditions.
• Comprehensive Coverage: Group policies often offer comprehensive coverage with many benefits, including preventive care and hospitalization.
• Employer Contributions: Employers may contribute a portion of the premium cost, reducing the financial burden on employees.

Cons:

• Limited Control: With group insurance, you have limited control over the plan and coverage options.
• Portability: Group insurance is tied to your employment, so if you change jobs, you may lose coverage.

Individual Health Insurance

Individual health insurance is purchased directly from an insurance company. 

Pros:

• Customization: Individual policies can be customized to suit your specific needs, allowing you to select the coverage, deductibles, and networks that fit your situation.
• Portability: Your policy is not tied to your employment, so you can keep it even if you change jobs.
• Privacy: You have greater privacy with individual insurance since your employer is not involved.
• Choice of Providers: Individual policies often provide a wider selection.

Cons:

• Cost: Individual health insurance can be more expensive than group coverage.
• Underwriting: You may be subject to medical underwriting, leading to higher premiums or coverage denials for pre-existing conditions.
• Limited Benefits: Individual policies may offer fewer benefits than group plans, especially if you have a small budget.

Midwest Professional Insurance Can Help You

At Midwest Professional Insurance, we can help you weigh the options concerning health insurance in Kansas. Contact us today. 

Taking care of our health should be something that we all prioritize in our lives, and having adequate health insurance coverage can make all the difference in our physical and mental well-being. That’s why our team at Midwest Professional Insurance is dedicated to helping you find the right health insurance coverage in Kansas for your needs.

Types of Coverage (e.g., HMO, PPO, EPO)

When choosing a health insurance plan, you have several options. Different types of coverage include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Each has its advantages, depending on your specific needs and budget.

HMOs are typically more affordable, with lower out-of-pocket costs and more restrictions on which doctors you may see.

PPOs are usually more expensive but offer more flexibility when choosing a provider.

EPOs feature a network of providers, but you cannot receive coverage if you go outside the network.

The Benefits of Having Health Insurance

Having health insurance is essential to your overall health and well-being. Not only does it provide access to preventative care, but it also protects you against high medical costs that could otherwise be financially devastating. Furthermore, health insurance can improve your mental and emotional health by providing peace of mind and reducing anxiety around potential accidents or illnesses.

The Risks of Going Without Health Insurance

Going without health insurance can also leave you open to significant financial risks. In an emergency or hospitalization, the expense of medical treatment could quickly add up to thousands of dollars. Even if you have a savings account for medical expenses, it might not be enough to cover the full cost.

At Midwest Professional Insurance in Kansas, we understand that finding the right health insurance plan can be daunting. We aim to provide comprehensive coverage that meets your needs and budget. We work with you every step of the way to ensure you get the most out of your health insurance coverage. Contact us today to learn more.

You want to protect the health and well-being of yourself and your family members. So, you’re looking for health insurance that safeguards you against major financial losses due to a covered medical event. At Midwest Professional Insurance, we help Kansas residents find the right health insurance for their needs.

Here are a few tips to help you get the most out of your coverage:

1. Conduct Regular Policy Reviews

You may think you understand your coverage, but policies can change over time. Schedule an annual policy review with your insurance agent to make sure you understand what’s covered. This way, you’ll clearly understand what your insurance pays for in the event of a medical or health crisis.

2. Find a Good Primary Care Doctor

Do you have a family doctor who knows your medical history and proactively looks after your health and well-being? If so, it’s important to find a policy that includes your preferred health care provider.

3. Take Advantage of Preventive Care

Even high-deductible policies typically cover screenings that fall under preventive care. This means you won’t pay out of pocket for screenings that include blood pressure, diabetes, and cholesterol checks. These policies typically include flu shots and breast cancer screenings to safeguard your health.

4. Look Out for Perks

Some policies come with perks. Find out whether your insurer can get you discounts at the local gym, for example. You may also receive discounts on nonessential procedures that improve your quality of life. This includes things like massages and LASIK surgery.

Give Us A Call

Midwest Professional Insurance in Kansas can discuss all your health insurance needs and connect you with a compatible insurance company. Contact us today to find out which policy is right for you.