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Important Disclaimer

The information provided on the Fleury and Associates website is for general informational purposes only. While we strive to ensure that the information on this site is accurate and up-to-date, we make no guarantees or representations regarding the completeness, reliability, or accuracy of the content. Any reliance you place on the information found here is strictly at your own risk.

Fleury and Associates is not responsible for any errors, omissions, or outcomes resulting from the use of this information. The content on this website does not constitute professional advice, legal consultation, or an offer of insurance. For personalized advice related to insurance coverage, it is essential to consult directly with a licensed insurance professional.

We also do not guarantee the availability, accuracy, or timeliness of any third-party links or resources provided on our website. The inclusion of these external links does not signify endorsement, and we are not responsible for any content found on linked sites.

Fleury and Associates reserves the right to modify, update, or remove any information on this website without prior notice. By using this site, you acknowledge that the information and services are provided “as is” and “as available,” without any warranties of any kind, either express or implied.

If you have any concerns or questions about this disclaimer or our website content, please contact us directly for further clarification.

FAQ

Get the Answers You Need

What is health insurance?
Health insurance is a type of coverage that helps pay for medical expenses, such as doctor visits, hospital stays, medications, and treatments. It protects you from high healthcare costs by covering a portion or all of your medical bills, depending on your plan.
Health insurance works by sharing the cost of medical care between you and the insurance company. You pay a monthly premium, and when you need medical services, your insurance covers part of the cost, such as doctor visits, prescriptions, or hospital stays. Depending on your plan, you may also have to pay out-of-pocket expenses like deductibles, copayments, or coinsurance.
You can get health insurance through various options: enrolling in a plan provided by your employer, purchasing a plan through the Health Insurance Marketplace, or working with a licensed insurance agent. You may also qualify for government programs like Medicare or Medicaid, depending on your age or income.
There are several types of health insurance plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), and Point of Service (POS) plans. Additionally, government programs like Medicare, Medicaid, and CHIP offer coverage for eligible individuals. Each type varies in cost, flexibility, and provider network.
The cost of health insurance varies depending on factors like your plan, coverage level, age, location, and whether you qualify for subsidies. Typically, you’ll pay a monthly premium, along with potential out-of-pocket costs such as deductibles, copayments, and coinsurance when you receive care.
Health insurance typically covers a range of medical services, including doctor visits, hospital stays, surgeries, prescription medications, preventive care, and emergency services. Coverage may also include mental health services, maternity care, and specialist visits, depending on your plan. Specific benefits can vary, so 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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