fred@fredwarner.com  |  (212) 689-5566​
Fred Warner Assoc.
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  • Home
    • Welcome
    • About Us >
      • Client Testimonials
      • Refer a Friend
      • Accessibility Statement
      • Insurance Carriers
  • Solutions
    • Shop 4 Affordable Benefits >
      • Discount Dental Plans >
        • DentalPlans.Com
      • Dental & Vision Insurance >
        • Dental for Everyone
      • Prescriptions Discounts
      • Travel Insurance >
        • Travel Insurance Center
      • Telemedicine Service >
        • 24/7 Doctor Call
    • Annuities >
      • Annuity Explanation
      • Fixed Annuities
      • Income Annuity
      • Longevity Annuity
    • Life Insurance >
      • Low Cost Term Insurance
      • Final Expense Insurance – Guaranteed Issue
      • Whole Life Insurance
      • Universal Life Insurance
      • Life Settlements
      • Living Benefits
    • Group Benefits >
      • Health Insurance
      • Life Insurance
      • Disability Insurance
      • Dental Insurance
      • Voluntary Benefits
    • Health Insurance >
      • Dental Insurance
      • Long Term Care Insurance
      • Income Protection
      • Professional Disability
    • Strategies >
      • Tax Exempt
      • Tax-Free Benefits
      • Annuity Types
      • Final Expense Benefit for Employee Families
      • Safe Money Tax Free Retirement Plan
      • Pension Maximization
      • CD to Annuity
    • Travel Insurance
  • Senior Services
    • Find A Doctor
    • What is Medicare?
    • What Medicare Doesn’t Pay For
    • Dental and Vision Insurance
    • Medicare Supplement
    • Medicare Advantage
    • High Deductible Medicare Supplement
    • Life Insurance for Seniors
    • Life Settlements
    • Long Term Care
    • LTC Life
    • Travel Outside the United States
  • Insurance Information
    • Newsletter Signup
    • Life Insurance Needs Planner
    • Life Insurance Needs Calculator
    • Submit A Question >
      • Life Insurance
      • Long-Term Care Insurance
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Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure your 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.
(212) 689-5566​
380 Lexington Avenue 17Fl
New York, NY 10168​
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Licensed in New York, Connecticut, Florida, Nevada and  New Jersey

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Fred Warner Assoc.
1345 Sixth Avenue, 33rd FL.
New York, NY 10105
(212) 689-5566​
Click Here to Email Us

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