Lyn Ryan GroupLife Planning & Financial Protection

Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure your family is properly covered with health insurance premiums you can afford.

What is 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.

Health Insurance Types

Health Maintenance Organizations (HMOs) & Exclusive Provider Organizations (EPOs)

•HMOs and EPOs may limit coverage to providers inside their networks. If you use a doctor or facility that isn't in the network, you may have to pay the full cost of the services provided.
•HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

Preferred Provider Organizations (PPOs) & Point-of-Service Plans (POS)

•These plans give you a choice of getting care within or outside of a provider network. You may use out-of-network providers, but you'll pay more than in-network.
•PPO plans let you visit any doctor without a referral. POS plans require referrals for out-of-network providers.

High Deductible Health Plan (HDHP)

•HDHPs typically feature lower premiums and higher deductibles than traditional plans.
•You can use a Health Savings Account (HSA) to pay for qualified out-of-pocket medical costs, which can lower your federal tax.

Catastrophic Health Insurance Plan

•Covers essential health benefits but has a very high deductible — a safety net for accidents or serious illness.
•Premiums may be lower than traditional plans, but deductibles are usually much higher.

We do not offer every plan available in your area. Currently we represent [SITE ADMIN: ENTER APPROVED ORGANIZATION COUNT] organizations which offer [SITE ADMIN: ENTER APPROVED PRODUCT COUNT] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.