Health Insurance

Health Insurance

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.

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Licensed in Utah, Nevada, Idaho, Arizona


Contact Us

NorthStar Financial & Insurance
235 E Tabernacle

St George, UT 84770

(435) 656-1060