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Health Insurance


Health Insurance Information

Finding the right Health or Life Insurance coverage can be complicated - call us and talk to a licensed professional agent.


FREE CONSULTATION: Tell us your needs and budget and we will match you to the right plan at the best price. See how much YOU could be saving!
 
We are licensed with over 50 Health and Life Insurance Companies and have over 400 different plans in 22 states.

If you are looking for Health or Life insurance and are overwhelmed by the number of companies, plans, options, network providers and premiums, then you've come to the right place. Whether you are looking for health/life insurance for the first time or you are looking to change or compare with your current insurance, whether you are single or have a family to protect, the licensed agents at Koch Insurance Brokers will assist you to ensure you find the health insurance coverage you are looking for at the best possible price.

What kinds of health insurance are there?

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  1. Fee-for-Service
    These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
     
  2. Managed Care
    More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home. Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

 

Koch Insurance Brokers, LLC
            336 Anvil Dr. | Douglassville, PA 19518 | Ph. 610.370.7268 | TF: 888.410.4573