Health Insurance in Providence, RI
Medical services and products are often essential for maintaining your well-being and quality of life. However, health care can be expensive, and bills can quickly overwhelm you if you’re underinsured. That’s why understanding and addressing your health coverage needs is critical.
What Is Health Insurance? 
As its name suggests, health insurance is a type of policy focused on helping you and your family access and afford preventive and medical care needed to remain in good health. Despite your commitment to safety or a responsible lifestyle, accidents and unexpected diagnoses may eventually impose dire health care needs. Lacking appropriate coverage could mean you’ll need to pay out of pocket or not be able to access the best available care altogether.
What Does My Plan Cover?
Health insurance plans’ capabilities can vary significantly, but many policies may include financial assistance for the following:
- Outpatient care
- Emergency services
- Preventive care
- Hospitalization
- Prescription medications
- Mental health and substance abuse disorder services
- Pregnancy, maternity and newborn care
- Rehabilitative and habilitative services and devices
- Laboratory services
How Does Coverage Work?
Your health plan may include several key details. Familiarize yourself with the following before selecting a policy:
- Premiums are your regular (e.g., monthly) payments.
- Deductibles are minimum out-of-pocket costs for which you’re responsible before receiving aid from your coverage.
- Copays and coinsurance are flat fees and percentages of total costs, respectively, that you pay out of pocket for specific services or products.
- Out-of-pocket maximums are limits you can be charged out of pocket for covered services in a single plan year.
Where Can I Get a Plan?
Health insurance is often available through your employer as part of a group health plan. Alternatively, you can also seek plans through the Health Insurance Marketplace. Additionally, certain government programs, such as Medicare and Medicaid, may be available to eligible parties.
Contact Lefebvre Insurance Agency, Inc. today to learn more about available health plans and find the right coverage.