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Health insurance

Health Insurance covers medical and surgical expenses. According to the health insurance coverage , either the insured pays out of pocket cost and is then reimbursed or the insurer makes payment directly to the provider.

Health insurance covers 5 Plans:
Platinum: It covers 90% of medical cost,
Gold: It covers 80% of medical cost,
Silver: It covers 70% of medical cost,
Bronze: It covers 60% of medical cost,
Catastrophic: It covers less than 60% of average cost care.

  • HMO
  • PPO - EPO
  • POS - HDHP

Health Maintenance Organization (HMO)

Health Maintenance Organization offers coverage for most type of preventive care, including specialist visit but specialist visit are covered when your PCP makes a referral. For every medical visit , you have to pay small co-payment fee.

It gives least freedom to choose health care provider. It generally does not cover out of network doctor except in case of emergency. HMO often provides integrated care and focus on preventive and wellness.

Preferred Provider Organization (PPO)

Under Preferred Provider Organization, you can visit a health care provider in your network, including specialist without a referral. You have to co-pay for each visit. In most cases, you do not have to choose a PCP. It is best suited for people who regularly visit a specialist.

Exclusive Provider Organization (EPO)

Exclusive Provider Organization gives access to all the health care providers and specialists within EPO network. It will cost you less than HMO or PPO. However, any health care provider outside the network is not covered. It is best suited for those who do not need great deal of medical care.

Point of Service (POS)

In this plan, a health care provider should be selected as PCP. Out of Network provider requires more out-of-pocket cost. You have to co-pay in every visit. This type of plan is most suited for people who are willing to pay bit more for extra flexibility.

High Deductible Health Plan (HDHP)

This plan covers high deductible that must be met before the coverage takes effect. It is most suited for people who want to save money and do not want to use medical coverage extensively.

Health Insurance

Different Insurance Companies provide different quotes based on your health history and income, selecting an insurance company that gives you best quote is a tricky job. We can help you select an insurance company that gives you best quote.

We have just given a small detail of each plan. We can help you select a plan that is most suited for you and your family, giving you maximum coverage according to your budget and requirement.


What our Clients say?

We are dedicated towards providing the best insurance plans to our clients. We aim at providing health and financial security by providing cost-effective and high quality plans.

I was completely satisfied with the professionalism shoen the agent today.

Paul WilliamNovenber 02, 2014

Very satisfied with the knowledge and concern for individual situation without being biased toward specific plans or pushy towards signing up.

Mike AndersonMay 22, 2015

Company informations

Insurance Agency
Jame Pough

1402 Norman St Ste 3
Palm Bay, FL 32907

Contact details

E-mail address:

(+1) 844-563-6272

Available 8:00am - 4:00pm