In Ohio, health insurance regulations help in controlling the policies' affordability and coverage. They regulate personal coverage, employers' health plans, and guaranteed-issue policies. Lansing Insurance Agency, Inc. can cater for all your health needs while complying with state law.
Affordable Care Act (ACA)
Affordable Care Act helps patients with severe conditions that wouldn't qualify for regular health coverage. The Act has a significant impact on personal and family health plans. Work with our agents to find the best solution to your health needs and if the ACA is right for you.
At Lansing, we offer the following health coverage:
Health Maintenance Organization (HMO) Networks
The coverage restricts beneficiaries from being treated by doctors working with HMO. To qualify for an HMO coverage in Ohio, you have to live and work in the state. The medical insurance offers integrated care. It focuses on disease prevention and the well being of its members.
Point of Service (POS) Plans
The coverage encourages patients to consult health care specialists who are in their network. To visit a specialist, you should carry a referral issued by your primary doctor. You can choose to seek medical attention from outside or within the network's providers.
Preferred Provider Organization (PPO) Networks
This policy covers out-of-network care. However, your medical expenses are reduced if you consult a specialist registered in the system. This allows you to visit a specialist without a referral. PPO networks have a massive geographical coverage.
Exclusive Provider Organization (EPO) Networks
They have few health care providers. As a result, you get subsidized premium costs. You can also see a health care provider without a referral. Your out-of-network expenditure is excluded from the out-of-pocket maximum.
Supplemental Health Coverage
This health policy covers all costs that aren't reimbursed by your central insurance plan. Individuals and families can purchase it as an extra health plan. Supplemental insurance offers dental and vision coverage. Besides, it also provides exceptional protection that isn't incorporated in significant health plans.
At Lansing Insurance Agency, Inc., we aim at satisfying our clients' health requirements. Our competent staff is always ready to attend to you. Contact us through our email, visit our offices, or use our online tools for quotes on home and auto insurance.