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  • Home
  • Quotes
    • Personal Quotes >
      • Property Quotes >
        • Home Insurance Quote
        • Renters Insurance Quote
        • Flood Insurance Quote
        • Earthquake Insurance Quote
        • Landlords Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Classic Car Insurance Quote
        • Motorcycle Quote
        • Roadside Assistance Quote
        • RV Insurance Quote
        • Trucking Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Health Quotes >
        • Individual Health Insurance Quote
        • Group Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Health Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
    • Dickerson & Co. Commercial & Resident Flood Coverage
  • Insurance
    • Personal Lines >
      • Property >
        • Flood Insurance
        • Home Insurance
        • Earthquake Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
        • Trucking Insurance
      • Life/Financial >
        • Life Insurance
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
      • Health >
        • Individual Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
        • Vision Insurance
      • Other >
        • Boat Insurance
        • Event Insurance
        • Travel Insurance
        • Umbrella Insurance
        • Wedding Insurance
    • Commercial Lines >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Health Benefits
      • Insurance Bonds
      • Workers Compensation
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Blog
    • News
  • Videos
    • Personal Lines >
      • Homeowners >
        • Homeowners Insurance Made Easy
        • How to Save Money on Your Homeowners Insurance
        • Whats Not Included in a Standard Homeowner's Policy
        • Condos Insurance Made Easy
        • Renters Insurance Made Easy
        • The Importance of a Home Inventory Checklist
        • Protect Your Rental Property & Income with Landlord Insurance
        • Market Value vs. Replacement Cost
        • Earthquake Insurance FAQs
        • Flood Insurance Made Easy
      • Auto >
        • Auto Insurance Made Easy (Your FAQs answered)
        • How to Save Money On Your Auto Insurance
        • Teen Driver FAQs
        • Save Big on Maintenance with an Extended Warranty
        • What To Do In An Accident
        • Commercial Lines >
          • Commercial Auto >
            • Hired and Non-Owned Commercial Vehicle Insurance
          • Flood >
            • How Commercial Flood Insurance Can Protect Your Business
          • Earthquake >
            • Commercial Earthquake Insurance (PNW)
            • Commercial Earthquake Insurance (CA and Other States)
          • Business Owners >
            • Business Owner Policy
            • Protect Your Business Income with Business Interruption Insurance
            • How Commercial Umbrella Insurance Can Protect Your Business
          • Other >
            • Directors & Officers Insurance
            • How Professional Liability Insurance Can Protect You From Costly Lawsuits
            • Cyber Attacks are Skyrocketing, Is Your Business Protected?
            • Employment Related Lawsuits are on the RISE ... Protect Your Business with EPLI
      • Life >
        • How Much Life Insurance Do You Need?
        • Term vs Permanent Insurance
        • Why LIFE: Working Father
        • Why LIFE: Stay-At-Home Mom
        • Why LIFE: Young Family
        • Why LIFE: Mortgage Protection
        • Why LIFE: Long
        • Why LIFE: Short
      • Umbrella >
        • How Umbrella Insurance Can Protect You & Your Family
      • Other >
        • The Value of Working with an Independent Insurance Agent
        • Your Annual Insurance Review
        • Protecting Yourself Against Identity Theft
        • Selecting the Appropriate Liability Coverage
        • How to Protect Your Most Treasured Possessions
        • Do You Have Enough Umbrella Insurance?
        • Bundling Your Insurance Can Save You Big!
  • Contact


Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(888) 422-5560
101 East Park Blvd
Suite 600
Plano, Texas 75074
Click Here to Email Us

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Tennessee, Nebraska,Georgia, Florida, South Carolina, North Carolina, Kansas, Oklahoma, Ohio,
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Dickerson & Company Agency LLC​
101 East Park Blvd
Suite 600
Plano, Texas 75074
(888) 422-5560
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