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Health Insurance Information

Carriage Trade Insurance Agency has over 15 years of experience in Health Insurance. Our relationships and experience help us to meet your unique needs.

What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  1. Fee-for-Service
    These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
     
  2. Managed Care
    More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

 

What is 'long-term care'?


What are the types of disability insurance?

 

Thank you for your interest in Carriage Trade Insurance Agency, Inc. We work with multiple A+ rated companies in New York, New Jersey, Connecticut and California. Please feel free to call our office at 516.358.5600 ore email your questions and an insurance professional will reply promptly.
1 - Source : MANAGED CARE AND THE STATES

 

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