Find The Right Health Insurance

Stories and information to help you plan, prepare and protect what matters most.

Affordable Healthcare For All

Health insurance is designed to offset the sky-rocketing costs of receiving health care. The Affordable Care Act (“ObamaCare”) requires that everyone have coverage unless you are exempt. Health insurance can be complicated but The REAL Insurance Lady makes it easy to understand. The REAL Insurance Lady will help you determine if you are eligible to receive assistance (“subsidy”) in paying your premium and in helping you select the right plan for you and your family.

Frequently Asked Questions

  • ObamaCare is called the Affordable Care Act.
  • ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.

HMO VS PPO

 
HMOPPO
¨ Cheaper¨ More Expensive
¨ Requires a referral¨ No referral needed.
¨ MUST go to doctors and hospitals in the network.¨ Can go to any doctor or hospital.

Contact the Member Services or call our office.  The number is on the back of your health insurance card.

Premium is the amount you pay EVERY month to keep your insurance.

A Co-payment is the amount you pay for covered services at the time you receive care.

Co-insurance is a percentage (%) you pay for a covered service.

Answer goes here.

Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.

A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.

Our Services

Health Insurance

Health insurance is designed to offset the sky-rocketing costs of receiving health care.

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Life Insurance

There are many kinds of life insurance, but they generally fall into two categories:

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Medicare Insurance

Medicare Insurance is designed to cover costs that Medicare doesn’t cover. Many people ask the question,

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Dental Insurance

The office of The REAL Insurance Lady receives several calls and requests every day about dental insurance.

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Companies We Represent