Health Insurance


Health Insurance​

Navigate the confusing world of health insurance with help from an independent agent.

Maintaining good health is essential, and securing a health insurance policy from Paul Branham Agency is a key step in protecting the well-being of you and your family. Health insurance isn’t just a safety net; it’s a crucial tool for preserving your health and happiness.

The reality is, medical treatments can be expensive. Without adequate health insurance coverage, you could find yourself burdened with hefty medical bills that might impact your financial stability for years to come. Health insurance from Paul Branham Agency provides not just medical coverage but also peace of mind, knowing that you and your family are protected against the unpredictable nature of health issues.

Don’t let the cost of medical care jeopardize your family’s financial future. Reach out to Paul Branham Agency to explore affordable and comprehensive health insurance options that cater to your specific needs, ensuring you can access the medical care you need without the stress of overwhelming expenses.

Request a free online quote or call us at 1-812-327-0690 to get started

Major types of health coverage

Residents in Indiana have access to a variety of health insurance options to suit their specific needs. At Paul Branham Agency, we offer four primary types of health insurance policies: EPO, HMO, POS, and PPO. Each of these plans provides coverage for essential medical, surgical, and hospital expenses, and depending on the chosen plan, may also cover dental care, mental health services, and prescription drugs.

Exclusive Provider Organization (EPO): This is a managed care plan offering coverage only when you use doctors, specialists, or hospitals within the plan’s network, except in emergencies. EPO plans are ideal for individuals who prefer a balance of flexibility and cost savings.

Health Maintenance Organization (HMO): HMO plans typically restrict coverage to care from providers who work for or contract with the HMO, excluding out-of-network care except in emergencies. These plans might require residing or working within a specific area and often emphasize integrated care, prevention, and wellness.

Point of Service (POS): POS plans offer more flexibility, allowing you to pay less when using in-network healthcare providers. These plans generally require a referral from your primary care doctor to see a specialist, combining features of both HMO and PPO plans.

Preferred Provider Organization (PPO): PPO plans offer the most flexibility, allowing you to use providers both inside and outside of the network. While in-network providers will cost less, you have the freedom to choose out-of-network providers without a referral, albeit at a higher cost.

Understanding these different types of health insurance plans is crucial in making an informed decision. At Paul Branham Agency, we’re committed to helping Indiana residents find the right health insurance coverage that aligns with their healthcare needs and financial situation. Contact us today to discuss your options and secure a plan that keeps you and your family protected

Common Health insurance terms

Understanding health insurance can be complex, especially with various terms and concepts to grasp. At Paul Branham Agency, we believe in empowering our clients with knowledge to make informed decisions about their health coverage. Here’s a guide to some of the most common terms you’ll encounter in health insurance discussions:

Deductible: This is the amount you pay out of pocket for medical expenses before your insurance coverage kicks in. Choosing the right deductible is crucial as it can affect your overall costs and coverage.

Co-pay: A co-pay is a fixed amount you pay upfront for certain medical services or prescription refills. It’s typically a set fee you’re responsible for each time you use these services, with your insurance covering the rest.

Co-insurance: After you’ve met your deductible, co-insurance is the percentage of medical bills that you’re responsible for paying. It’s a shared cost between you and your insurance provider, based on a predetermined percentage.

By familiarizing yourself with these terms, you can better understand your health insurance policy and how it works. Discussing with an agent at Paul Branham Agency can further clarify these concepts and help you find a health insurance plan that aligns with your medical needs and financial situation. Reach out to us for a comprehensive explanation of your health insurance options and to ensure you have the coverage that best fits your lifestyle.