New Jersey Health & Medical Insurance
Protecting what matters most
What would you classify as your most valuable asset? Before you mention your business, your financial portfolio, your home or some other item, consider this:
Your ability to earn income makes the acquisition of every other asset possible
Maintaining a healthy lifestyle with exercise and proper diet goes a long way towards guarding your health. However, catastrophic illnesses attack even the healthiest among us, and treating them is costly.
The introduction of the Affordable Care Act has placed a spotlight on health insurance coverage. The professionals at American Insurance can help you wade through the many options available. We’ll explain the benefits and costs, partnering with you to determine the best approach for you and your family.
Coverage Designed with YOUR needs in mind
When choosing a health insurance plan, you may decide that specific coverage afforded by many plans isn’t necessary for you. While some may find prescription coverage an absolute must, others may opt for a more limited coverage that pays only for surgical procedures.
Whatever the need, your American Insurance agent can walk you through the many available options, helping you secure the health insurance coverage you want at a price you’ll appreciate.
You’ll discover you have many viable products from which to choose that cover a myriad of occurrences, including:
- Doctors visits
- Medical Testing
- Specialized care (Cardio-vascular care, respiratory care,
- Surgical procedures
- Medical Imaging (x-ray, CT-scan, etc.)
American Insurance will help you review and consider the issues that can help determine what coverage is right for you. Most health insurance coverage falls into one of two categories:
Indemnity Plans (or Fee-for services plans)
- Cafeteria/Flexible Spending Plans
- Indemnity Health Plans
- Basic & Essential Health Plans
- High Deductible Health Plans (HDHP)
- Health Savings Accounts (HSA)
Managed Care Plans
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPO)
We can also provide long-term care coverage, income protection and many other products designed to protect the wellbeing of you and your family.
Contact an American Insurance agent today for smart, affordable Healthcare Coverage Solutions.