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ACA/Marketplace Insurance

Find affordable marketplace health insurance coverage that fits your budget and needs.
ACA Plans

Medicare Advantage and Prescription Drug Plans

Compare Medicare Advantage, Supplement, and Prescription Drug Plans for the best coverage.
Medicare Plans

Dental Insurance Plans

Keep your smile healthy with the best dental insurance plans for individuals and families.
Dental Plans

Vision Insurance Plans

Get the best vision coverage to protect your eyesight and maintain optimal eye health.
Vision Plans
FAQ

Get the Answers You Need

What is health insurance?

Health insurance provides financial protection by helping cover the cost of medical care, including doctor visits, hospital stays, prescriptions, and treatments. Depending on your plan, it can reduce or eliminate the out-of-pocket expenses for your healthcare needs, ensuring you’re shielded from high medical bills.

Health insurance operates by splitting the cost of medical care between you and the insurance provider. You pay a monthly premium, and when you require medical services, your insurance helps cover the expenses for things like doctor visits, prescriptions, or hospital stays. Depending on your plan, you might also be responsible for out-of-pocket costs such as deductibles, copays, or coinsurance.

There are several ways to get health insurance: through an employer-sponsored plan, by purchasing coverage through the Health Insurance Marketplace, or by working with a licensed insurance agent. Depending on your age or income, you might also be eligible for government programs like Medicare or Medicaid.

There are various types of health insurance plans, such as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), and Point of Service (POS) plans. Government programs like Medicare, Medicaid, and CHIP also provide coverage for those who qualify. Each plan type differs in cost, flexibility, and access to healthcare providers.

The cost of health insurance depends on several factors, including your plan, coverage level, age, location, and eligibility for subsidies. You’ll generally have a monthly premium, along with possible out-of-pocket costs like deductibles, copays, and coinsurance when you access medical services.
Health insurance generally covers a variety of medical services, such as doctor visits, hospital stays, surgeries, prescription drugs, preventive care, and emergency services. Depending on your plan, it may also include coverage for mental health services, maternity care, and specialist visits. Since benefits can differ, it’s important to review your plan details.

Our Mission is to Safeguard Your Business, Life, and Beyond.

At Fleury and Associates, we provide comprehensive insurance solutions to protect your business, life, and future, ensuring your peace of mind through reliable coverage and exceptional service.
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