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Healthcare Costs, Co-pays and Coinsurance

Your healthcare costs are an important factor to consider when you want to buy health insurance, and you have a number of options for managing those costs. You can choose to pay a higher deductible to lower your regular premiums, which means you need to pay that deductible amount for doctor’s visits and medical bills before your health insurance kicks in. Alternatively you can pay a higher premium in order to avoid a high out-of-pocket cost in the event of a serious illness.

Co-pays and coinsurance are two methods health insurance companies use to share the cost of healthcare. Co-pays are a small amount you pay for every doctor’s visit, whereas coinsurance is an amount you pay in the event you need additional care. Be sure to fully understand any coinsurance payments your health insurance plan requires. In the event of a serious illness or injury, these costs can become very high.

Heber Insurance can help you compare medical insurance quotes and find the right healthcare plan to match your current and anticipated needs.


Find Affordable Health Insurance for Individuals, Families and Businesses!

Finding affordable health insurance may seem like a daunting task. With the Affordable Healthcare Act and new regulations taking effect, people are more confused than ever. How do you sort through plans, deductibles, and networks, and choose a policy that makes sense for you, your family or your employees?


How to Buy Health Insurance for Individuals and Families

If you are self-employed or you are not obtaining healthcare coverage through your employer, you need at least a basic health insurance plan to ensure that you are prepared for an unforeseen health condition or injury.A full-coverage health insurance plan may be more suitable for your needs if you have dependents, you are getting ready to start a family, or you have a family history of certain health risks. You should ensure that your healthcare plan helps you to pay for the broader set of services you need.


Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your beneficiaries as well as your financial goals. Life insurance can be a very flexible and powerful financial vehicle that can meet multiple financial objectives, from providing financial security to building financial assets and leaving a legacy.

Here are some of the main features of term and whole life insurance.

Features of term life insurance

  • Provides death benefits only
  • Pays benefits only if you die while the term of the policy is in effect
  • Easiest and most affordable life insurance to buy
  • Purchased for a specific time period, such as 5, 10, 15, or 30 years, known as a “term”
  • Becomes more expensive as you age, especially after age 50
  • The term must be renewed if you want coverage to be extended beyond the term length
  • Can be used as temporary additional coverage with a permanent life insurance policy
  • Can be converted to whole life insurance

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Life insurance can be very confusing!

What is term life insurance? What is whole life insurance? How can you get the information you need and make the right decision about life insurance for you and your family or other beneficiaries? We’ll provide an overview of these two popular types of life insurance so you can get an idea of what might be a good fit for you.


Differences Between Whole Life and Term Life

Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings. . . even your boat! And take advantage of special safety discounts, too.


For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage.