Shanna Wetzstein

Shanna Wetzstein offers a variety of individual and family major medical health insurance plans from some of the best carriers in the nation. In todays complex health insurance landscape, we are here to advise you on your best options and to help you make an informed decision based on your circumstances and needs. Immediately following are details... on the types of major medical health plans we offer: An HMO offers lower premiums and a significant savings on routine and preventative healthcare. A Health Maintenance Organization or HMO health plan requires its members to appoint a primary care physician who is affiliated with the HMO. Accordingly, if you use healthcare service providers outside of the HMO, there is a good chance those charges wont be paid for by the policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctors visits and other services such as procedures and prescriptions. A PPO offers a significant savings on healthcare services and a large network of providers. A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. However, deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay. Additionally, the PPO most oftenhas a large network with quality care providers and excellent prescription drug coverage. Qualify for a premium subsidy through the Federal Health Insurance Marketplace. If you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit (premium discount). Families earning up to $94,000 per household (this is about 400% of the poverty level) can qualify. We suggest you use our Subsidy Calculator to see if you qualify. Is a Catastrophic Plan right for you? A Catastrophic Plan is great for those healthy individuals who do not expect to need ...Read More