Health Insurance from St. Louis Insurance Company

For many individuals, health insurance is a very important component of their overall health and wellness plan. A health insurance policy can help pay for regular medical expenses such as checkups, preventative screenings and prescriptions. With health care costs on the rise, health insurance offers some level of protection from these high expenses. Additionally, if unexpected health needs and expenses ever arise, health insurance can help cover some of those costs.

When you are looking for health insurance and comparing health insurance plans, it is important to realize that there are many options available from which you can choose. You should note that health insurance will typically not pay all of your medical costs. Some plans pay more than others do.

At St. Louis Insurance Company, we can provide you with health insurance quotes from some of the best health insurance providers in the U.S. Because there are so many different kinds of health insurance plans available, we understand that it can get confusing determining which plan is best for you. Therefore, we can help you choose a policy that is best suited to your needs.

To request health insurance quotes or to talk with our insurance brokers about finding the best policy for you, contact us today.

What Types of Health Care Insurance Plans Are Available?

The main types of health insurance plans that are available are mentioned below. To request a quote for any of these types of policies, contact us today.

• Individual Health Insurance: To put it simply, individual health insurance is the coverage an individual buys for himself or for someone in his or her family. People who do not receive health insurance from their employers and those who are self-employed often seek out individual health insurance plans.
• Family Health Insurance: Family insurance plans cover the applicant, his spouse, and their children. Since the number of people covered under these insurance is more, premiums will be higher. However, these plans are typically more affordable than buying separate individual policies for each person.
• Group Health Insurance: The health insurance that is provided by an employer is called group insurance. Only those who are actively employed with a company, and their eligible family members, will be covered under group health insurance policies.
• Medicare Supplement Insurance: Seniors over 65 years of age, are eligible for government-sponsored insurance, called Medicare. However, Medicare does not cover all aspects of one's health needs, and therefore, individuals often seek Medicare supplement insurance plans in addition to this.

What Does Health Insurance Typically Cover?

Health insurance policies can vary greatly in the type of and amount of coverage that they offer. However, as a standard most health insurance will offer some level of coverage for the following:

• Visits to a physician's office
• Inpatient care at hospitals
• Visits to emergency rooms
• Medically necessary surgeries
• Prescription Drugs

Insurance plans may also cover services such as infertility treatments, prosthetics, diabetes management, sterilization, mental health care and more. Before you choose a health insurance plan, you will have to carefully review what services are covered and what are not.

Why Do You Need Health Insurance?

Health costs in the U.S. are very high. As medical care has advanced and the number of treatment options available has increased, the cost of the health care has also increased. Health insurance plans can offer coverage for routine checkups and regular office visits. Additionally, they can provide financial aid in case of a health emergency or an unexpected injury or illness that would be otherwise very expensive to treat. Therefore, health insurance offers a level of protection for high health care costs.

Medical bills cannot be predicted. Some years, an individuals' health care costs may be low, while in others, expenses will substantially increase. Health insurance will give you peace of mind knowing that you can afford these costs. You should not wait until you or someone in your family becomes ill to buy health insurance. Instead, you should ensure that you are protected at all times.

Contact Us To Get Health Care Insurance Quotes

At St. Louis Insurance Company, we can provide you with affordable health insurance quotes from a number of insurance providers. To request a quote and to talk with us to determine which option is best for you, contact us today.