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Health Insurance Information

What kinds of health insurance are there?

There are essentially two kinds of health 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 plan. Various plans work differently and can include: health maintenance organizations (HMOs), 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.

Read below for more information regarding health insurance coverage for families and individuals. When you are looking for individual health insurance plans (or group health insurance for business owners), get in touch with NorthStar Financial & Insurance Services, Inc. We proudly help residents of Utah, Arizona, and Nevada find the health insurance providers they need.

How can I be eligible for tax credits with health insurance?

For many individuals without the option for a cheaper group insurance plan through an employer, the high cost of health insurance deters them from getting a plan in the first place. But not purchasing a health insurance plan can hurt you financially what with tax penalties (see slideshow above) and paying for healthcare without coverage as illnesses or accidents arise.

Certain households, though, that have lower to moderate incomes can qualify for tax credits. Those tax credits combined with a less expensive plan can give you the coverage you need without needing to spend a fortune. That is, if you know where to look to find such a plan.

That’s where NorthStar comes in. We know how to find you less expensive health insurance policies that don’t cut back on necessary coverages. Rather than having to wade through a sea of health insurance providers and plans, we pick out the plans best suited for your lifestyle and your budget. Then you can choose a policy from there!

Schedule a free consultation appointment with NorthStar’s independent insurance agents to learn if you qualify for any tax credits.

Why work with NorthStar to find health insurance providers?

Located in St. George, UT, NorthStar Financial & Insurance Services, Inc works with a wide array of health insurance providers for quotes in Utah, Nevada, and Arizona. We’re here to help individuals, families, and employers get the coverage they need for those in their care.

  • Less Hassle: NorthStar takes the hassle out of researching and picking a family or individual health insurance plan. Less trouble for you means that you can find the best plan in less time. This can be especially helpful if you need health insurance coverage or short-term insurance plans fast, but don’t know where to begin.
  • Personalized Help: We find the health insurance plan that is best suited to you and your lifestyle. Whether that’s as a small business owner, look for a group health insurance policy for your employees, or an affordable plan for your family, we’ll find the best solution together. Just need a few insurance supplements? Come to NorthStar! Looking for a plan that’s under your primary care doctor’s healthcare policies? Come to NorthStar to find plans tailored for you, not the other way around.
  • The Best Plans at the Best Prices: We’ll give you a wide array of choices that offer the best coverages at the lowest costs. Our independent insurance group works with many health insurance providers to ensure that you are presented with several options that fit your budget.

Schedule a free consultation appointment with NorthStar or request a health insurance quote today!

What is long-term care?

When looking at health insurance providers and plans, consider coverage for long-term care. Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living, sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
  2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Disability policies have two different protection features that are important to understand:
  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.
In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:
  • Additional Purchase Options: Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.
  • Coordination of Benefits: The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
  • Cost of Living Adjustment (COLA): The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
  • Residual or Partial Disability Rider: This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
  • Return of Premium: This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
  • Waiver of Premium Provision: This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.
Find health insurance providers and policies in St. George, UT and Surrounding Utah, Nevada, and Arizona areas with NorthStar! Call our health insurance group today to narrow down plans and purchase personal health insurance, family health insurance, or employer group health insurance. Our talented agents look forward to serving you!

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