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Health Insurance Information
Health Insurance in St. Michael, MN and Surrounding Areas
Good Decisions Today for a Healthy Tomorrow.
Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.
At Zachman Insurance Agency, we strive to offer the best Health Insurance options possible – from individual and group plans to specialized packages that may include dental and vision coverage.
Depending on your needs, our health care packages can include:
- Individual & Family Health Insurance
- Group Health Insurance
- Dental Coverage
- Vision Coverage
- Temporary Health Insurance
- Supplemental Insurance
- Disability Insurance
- Medical Expense Insurance
- Child Health Insurance
- Travel Health Insurance
- Prescription Insurance
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Why Health Insurance?
When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.
While finding the right Health Insurance is not always an easy choice, Zachman Insurance Agency's representatives are committed to providing the knowledge and support you need to help you make the right decision for you, your family, or your business.
At Zachman Insurance Agency, we provide health care insurance services near St. Michael, Albertville, Otsego, Monticello, Rogers, and Maple Grove.
What Is Group Health Insurance?
Group Health Insurance:
Group coverage is health insurance provided by an employer or by an association, such as a union, to its members. Typically, group health insurance plans offer the same benefits to all members of the group and their dependents.
Since the definition of a group or employee can vary by state, call us at 763-497-2430 to find out any other insurance requirements in Minnesota. When helping clients manage a group insurance plan, Zachman Insurance Agency can provide resources and guidance along to way to employees.
Pros of Group Health Insurance
Group health insurance is fairly common, so most people are familiar with its structure. Enrolling in a group health insurance plan takes away most of your own guess work with networks, deductibles and premiums. Additionally, advantages of group health insurance include:
Individual Health Insurance:
What Is Individual Health Insurance?
Individual coverage is health insurance you buy on your own. Since there are hundreds of options to pick from, Zachman Insurance Agency can help you navigate available individual plans to find which one provides the best coverage for you and your health care needs.
Pros of Individual Health Insurance
With health care reform, there are new advantages to buying individual health insurance plans. Now, people can feel empowered to take control of their health care decisions. Advantages of individual health insurance include:
Can I Be Denied Health Insurance if I Have a Pre-Existing Condition?
Customizable plan options and coverage
Choice of network and medical providers
Coverage continues after job loss or change
The Affordable Care Act (ACA), made it illegal for Americans to be denied coverage or charged higher rates for pre-existing conditions. Also, if your health changes and you develop a chronic medical condition while enrolled in a heath plan, your rates cannot increase. The only exception to this is if you were enrolled in a health plan that started before 2010, when the ACA was passed.
How Much Does Health Insurance Cost?
Plan choices and premium costs can vary, so call Zachman Insurance Agency today at 763-497-2430 or request a quote online. We can help you find the best option for you and your family.