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About HMO -- If you are an employer in Fort Smith, or another part of Arkansas, you want to provide good coverage, but the cost increases over the past decade have been tough to handle. A typical response to these increases may be to select a high-deductible insurance product that lowers your cost. However, there is a better solution.
Consider an HMO; A health maintenance organization. The HMOs of today offer a whole new generation of health care financing tools that every employer should consider.
You may have heard bad stories about HMO's, but that was a long time ago. Thankfully, times have changed. HMO plans today offer extensive provider networks, excellent coverage for preventive care, the ability to frequently change a primary care physician and outstanding prescription drug coverage through broad pharmacy networks. HMOs take the surprise out of the bill.
With most health insurance plans, an employee is responsible for a percentage of the cost of care, often 20 percent or 25 percent. This can add up very quickly, and employees cannot predict what their expense is going to be.
With an HMO structured co-pay plan, an employee knows up front the expenses associated with most covered services. For example, an employee may have a $20 copay for a primary care physician (PCP) visit, which will include all services provided in that visit. Each time employees go to their PCP, they can expect to pay $20. Call Morgan Moran, a qualified health insurance consultant for details: 800-554-9142
INSURANCE AGENTS IN FORT SMITH
J. Crawford & Co - Independant Health Agent - (479) 474-6885
Windsor Insurance Services - Fort Smith Agency - (479) 648-9949
Fort Smith Farmers - Farmers Insurance Group - (479) 783-8020
About HMO -- If you are an employer in Fort Smith, or another part of Arkansas, you want to provide good coverage, but the cost increases over the past decade have been tough to handle. A typical response to these increases may be to select a high-deductible insurance product that lowers your cost. However, there is a better solution.
Consider an HMO; A health maintenance organization. The HMOs of today offer a whole new generation of health care financing tools that every employer should consider.
You may have heard bad stories about HMO's, but that was a long time ago. Thankfully, times have changed. HMO plans today offer extensive provider networks, excellent coverage for preventive care, the ability to frequently change a primary care physician and outstanding prescription drug coverage through broad pharmacy networks. HMOs take the surprise out of the bill.
With most health insurance plans, an employee is responsible for a percentage of the cost of care, often 20 percent or 25 percent. This can add up very quickly, and employees cannot predict what their expense is going to be.
With an HMO structured co-pay plan, an employee knows up front the expenses associated with most covered services. For example, an employee may have a $20 copay for a primary care physician (PCP) visit, which will include all services provided in that visit. Each time employees go to their PCP, they can expect to pay $20. Call Morgan Moran, a qualified health insurance consultant for details: 800-554-9142
INSURANCE AGENTS IN FORT SMITH
J. Crawford & Co - Independant Health Agent - (479) 474-6885
Windsor Insurance Services - Fort Smith Agency - (479) 648-9949
Fort Smith Farmers - Farmers Insurance Group - (479) 783-8020
We Have ALL HMO's: When you shop for an HMO, choose from all available carriers, not just one. We have all HMO health insurance plans available for your family. We can also help you with PPO health insurance. Health Insurance Search
COBRA:
CONTINUING HEALTH COVERAGE -- Did you know that the government will pay 65% of Cobra continuation coverage premiums? The new COBRA coverage will apply to those of us who lost their jobs between Sept. 1, 2008 and the end of this year, Dec. 31, 2009.
New Health Options: New public health option may come available in the near future. Those new options will not refuse coverage for preexisting conditions, and no wait time for changes to your policy. When new changes happen we will contact you with the newer, lower rates. Just call 800-554-9142 for the latest news and info about the public health care option.
Arkansas Health Care There are several quality health care facilities in Fort Smith. Please try the Sparks Health System - also known as Tendercare * 1001 Towson Ave, Fort Smith * (479) 441-5158. Also consider Advantage Home Health Care * 921 Lexington Ave, Fort Smith * (479) 441-5850. One other top health care facility in Fort Smith is the Superior Senior Care located at 101 N 10th St # A, Fort Smith, you can call them at (479) 783-1206
