Individual and Family
Health Insurance Quotes
With so many carriers offering so many different plans,
it is easy to be confused about which health insurance coverage is best for you. At Berwick Insurance Group,
our team of agents are here to assist you in chosing the
plan that best suits your needs and budget.
Group Health Insurance
Are you a business owner looking for better rates
and an expert you can trust? With years of experience
we are here to assist you in building benefit options
that are customized to fit the needs of your business
and your employees. We look forward to talking with
you about your needs.
Short Term Health Quotes
In between jobs, or only need health insurance for a
short time? We offer affordable, short term health insurance, which can be implimented quickly, without a review of
your medical history.
Medicare Products
Turning 65 this year? Need more Medicare coverage?
We know Medicare does not cover everything you need and we are here to make sure you have a plan that fits your needs.
Call Us Toll Free!
1.888.745.2320
Same Rates As Direct
| Insurance Questions Answered | |
What is an individual health insurance plan? An individual and family health insurance plan is an insurance plan |
What is a PPO? A PPO is a "Preferred Provider Organization". In a PPO, doctors are contracted by the health insurance company to give its members discounted rates on their services. A PPO typically has a deductible and a co-pay, or a percentage you are required to pay for your medical bills. If you decided to see a doctor outside the provider network, you should expect to pay a higher percentage of your bills. |
What is an HMO? An HMO is a "Health Maintenance Organization". With an HMO you choose a Primary Care Physician (PCP) within the HMO's provider network. Your PCP will be your regular physician and will issue referrals for you to see a specialist. HMOs give you a very wide range of services to choose from with very low co-pays and sometimes no deductibles, but most times will not cover you if you do not have a referral from your PCP or if you choose an out-of-network doctor. |
What is a POS plan? A POS plan is a "Point of Service" plan. These plans require you to pick a PCP from the provider-network and offer the services from your PCP at little to no deductible. With a POS you are usually offered better coverage by your PCP or from services that your PCP gives you a referral for, but you may still get services from out-of-network providers for a deductible and lower level of coverage. In addition, services outside the network may have to be paid up-front and you may have to submit a claim to the insurance company. |
What is an HSA plan? An HSA plan is a "Health Savings Account" plan. This type of plan allows you to put pre-tax money into a savings account which can be used with a high deductible health insurance plan to pay for your medical bills. |
What is a co-pay? A co-pay is a charge that the health insurance plan requires you to pay when you get a medical service or a
medical supply. After the co-pay is paid, in most cases, the insurance company will pay the rest of the bill for that service or |
What is a deductible? A deductible is the yearly amount which your insurance company requires you to pay before it will start making payments for your insurance claims. |
What is coinsurance? Coninsurance is the amount you are required to pay for a claim that is other than your deductible or co-pay. |
What is a provider network? A provider network is the network of doctors and health care providers that are contracted by your insurance company to provide their services. Health care providers in the provider network offer their services for a negotiated rate. |