614 N. Perry, St. Rt. 65
P.O. Box 364
Ottawa, OH 45875
115 N. Main St.
Bluffton, OH 45817
Monday - Friday: 8:00a.m - 5:00p.m.
Evenings and Weekends: By Appt.
If you pass away, how will your family cover the costs of a funeral? Will they be able to maintain their quality of life? With our help, you can find the best possible policy for your coverage needs.
Do you know the difference between an HMO and a PPO? Do you know how a Health Savings Account can make a difference for your expenses? Whether you're familiar with the healthcare system or are trying to make educated choices, we're here to explore what works best for you.
You and your family deserve the absolute best. Whether you're seeking
a policy to protect your life or a way to keep your family healthy, we have everything you need.
Take care of your health and your family with our assistance!
If something happened to you tomorrow, would your family be able to go on? If your spouse fell ill and was required to spend an extended amount of time in the hospital, would you be able to cover the costs?
When it comes down to it, there are many things that can disrupt the well-being of your family. When you want help you can count on, we're always here.
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What are the Different Types?
There are 5 different, main types of health insurance plans to choose from. That is why at Fortman Insurance, we are here to help you choose the best option for you & your family.
• Preferred Provider Organizations ( PPOs )
• Health Savings Account ( HSA )
• Health Maintenance Organizations ( HMOs )
• Point-of-Service Plans ( POS )
• Traditional Indemnity plans
medical insurance, you also have the opportunity to participate in an ‘optional’ HSA savings plan, at the bank of your choice..The funds contributed to the account are not subject to federal income tax at the time of deposit and earn interest tax-free. The Health Savings Account (HSA) allows money to be saved to pay for current and upcoming medical expenses and is based on being tax-free.
Funds must be used to pay for qualified medical expenses to avoid penalties. Funds roll over year to year if you do not spend them. Health Savings Account compatible plans are considered a good option for those who want to protect themselves from catastrophic health related costs but do not anticipate day-to-day medical expenses.
The Health Savings Account (HSA) is a medical savings account available to taxpayers who are enrolled in a High Deductible Health Plan that meets the HSA Plan requirements. Besides the Health Savings Account
The Preferred Provider Organization (PPO) is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. The PPO negotiates discounts with doctors, hospitals and other providers, who then become part of the
PPO Network. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network, but the plan will only cover a portion of the bill. The out-of-network coverage will be at an additional cost to the member, such as higher deductibles, higher member co-insurance and balance billing (difference between negotiated amount and charged amount).
With a PPO plan, individuals are allowed to make self-referrals. This means you may see any doctor you want, including specialists, without any referrals needed. As a reminder, you will receive the best benefits by utilizing network providers.
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service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
The Health Maintenance Organization (HMO) is a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally will not cover out-of-network care except in an emergency. An HMO may require you to live or work in its
The Point of Services (POS) plan is a type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans also require you to get a referral from your primary care doctor in order to see a specialist.
network, there is no agreement between providers and the insurance company to provide care at specific rates. Thus, the costs for service can be higher, and a patient may be required to cover costs beyond what is considered usual, customary and reasonable (UCR). In many cases, the patient has to pay the provider directly, then file paperwork with the insurance company for reimbursement.
Also, indemnity plans can differ in how reimbursement works. Some reimburse a specific percentage of service costs, and some reimburse costs in full up to UCR limits. Others pay a set amount per service or per day in the hospital, so it is worth comparing options to choose the one that seems best.
Traditional health care insurance plans reimburse according to the provider's bill based on usual, customary and reasonable (UCR) fees. Typically, there are no limits or restrictions on your choice of a medical service provider. Because indemnity policies do not involve a provider