At Stolly Insurance, we understand that health insurance can be a significant and ongoing expense for both individuals and businesses. We recognize that navigating the complexities of health insurance can be challenging, not to mention costly. That's why we have a team of knowledgeable agents who specialize in all aspects of health insurance to assist you every step of the way.

If you're a small business owner seeking to provide health insurance benefits to your employees for the first time, we can help you find the best options tailored to your business size and budget. Our experienced agents are well-versed in the latest regulations and can guide you through the process of selecting the right coverage for your employees' needs.

 For self-employed individuals looking for health insurance on the open market, we understand that it can be overwhelming to compare different plans and determine the most suitable coverage for your unique situation. Our agents can provide personalized guidance and help you navigate through the available options to find a plan that fits your needs and budget.

 Even for large corporate entities, finding the most cost-effective health insurance rates can be a daunting task. Our expert agents can help you evaluate different plans from various insurance carriers and negotiate on your behalf to secure the best rates for your business. We understand the importance of balancing cost and coverage to meet your organization's health insurance needs.

 At Stolly Insurance, we take pride in our team's expertise in all areas of health insurance. Our agents stay updated with the latest industry trends and regulations to provide our clients with the most accurate and up-to-date information. We are committed to helping you make informed decisions about your health insurance coverage while keeping your budget in mind.

 In addition to our exceptional service for businesses and individuals, we also offer a wide range of health insurance options, including group health insurance, individual and family health insurance, Medicare supplement plans, and more. Our goal is to provide comprehensive and customized health insurance solutions that meet the unique needs of our clients.

Contact us today to speak with one of our licensed agents and let us be your trusted partner in navigating the complexities of health insurance. We are dedicated to helping you find the best health insurance coverage for your needs, so you can have peace of mind knowing that your health and financial well-being are protected.

What is health insurance?

Health insurance is a type of insurance coverage that pays for medical expenses and provides financial protection in the event of illness, injury, or other health-related issues. It typically covers costs such as hospitalization, prescription medications, doctor visits, preventive care, and more.

Why do I need health insurance?

Health insurance is important because it helps protect you from unexpected medical expenses that can arise due to illness, accidents, or injuries. It ensures that you have access to necessary medical care without facing excessive financial burden. In many countries, having health insurance is also mandatory under law.

How does health insurance work?

Health insurance typically involves paying a premium (regularly scheduled payments) to an insurance provider in exchange for coverage. When you need medical care, the insurance provider pays for a portion or all of the covered expenses, depending on the terms and conditions of your policy. Deductibles, copayments, and coinsurance may apply, and coverage may vary depending on the specific plan.

What are the different types of health insurance plans?

There are several types of health insurance plans, including:
Employer-sponsored health insurance: Provided by an employer to its employees as part of their employee benefits package.
Individual and family health insurance: Purchased by individuals or families directly from an insurance provider or through a health insurance marketplace.
Medicare: A federal health insurance program for individuals aged 65 and older, as well as certain younger individuals with disabilities.
Medicaid: A state and federal program that provides health coverage for low-income individuals and families.
Short-term health insurance: Temporary coverage for individuals who need health insurance for a limited period, typically less than a year.

What factors should I consider when choosing a health insurance plan?

When choosing a health insurance plan, it's important to consider factors such as the monthly premium, deductible, copayments, coinsurance, out-of-pocket maximum, network of providers, coverage for prescription medications, coverage for preventive care, and any additional benefits or limitations. It's also important to assess your own healthcare needs and budget to ensure that the plan meets your requirements.

Can I keep my current doctors and hospitals with my health insurance plan?

The ability to keep your current doctors and hospitals depends on the specific health insurance plan and its network of providers. Health insurance plans often have a network of doctors, hospitals, and other healthcare providers that are covered under the plan, and using providers outside of the network may result in higher costs or no coverage. It's important to review the network of providers when choosing a health insurance plan, especially if you have preferred doctors or hospitals.

What is a deductible, copayment, and coinsurance?

A deductible is the amount you need to pay out of pocket before your health insurance plan starts covering the costs of medical care. A copayment (or copay) is a fixed amount you pay for a specific service, such as a doctor visit or prescription medication. Coinsurance is a percentage of the cost of a service that you are responsible for paying, typically after meeting your deductible. These terms may vary depending on your health insurance plan.

What is an out-of-pocket maximum?

An out-of-pocket maximum is the maximum amount you will have to pay for covered services in a calendar year. Once you reach this limit, your health insurance plan will typically cover 100% of the remaining costs for covered services. It's important to be aware of the out-of-pocket maximum when choosing a health insurance plan, as it can affect your overall healthcare costs.

Please note that these FAQs are general in nature, and it's always recommended to consult with a qualified insurance professional to get specific advice and guidance tailored to your unique business needs.