Health insurance is a contract between you and an insurance company that helps cover your medical expenses. Instead of paying the full cost of healthcare services out of pocket, you pay a monthly premium, and your insurance helps cover the rest when you need medical care.
Medical expenses can be overwhelming. A single hospital stay can cost tens of thousands of dollars. Health insurance protects you from these unexpected costs.
With insurance, you have access to a network of doctors, specialists, and hospitals, ensuring you get the care you need when you need it.
Most health plans cover preventive services like annual checkups, vaccinations, and screenings at no extra cost, helping you stay healthy.
Knowing you and your loved ones are covered provides security and allows you to focus on what matters most without worrying about medical bills.
We offer various plan types to match your healthcare needs and budget. Here's a simple breakdown:
An HMO requires you to choose a primary care physician who coordinates all your care and provides referrals to specialists.
A PPO offers more flexibility in choosing healthcare providers and doesn't require referrals to see specialists.
An EPO is a middle ground between HMO and PPO. You must use network providers but don't need referrals for specialists.
Primary care and specialist consultations
Inpatient care and surgeries
Coverage for medications
ER visits and urgent care
Diagnostic and imaging services
Annual checkups and screenings
Prenatal and postnatal services
Therapy and counseling services
Consider how often you visit doctors, any ongoing medical conditions, medications you take, and whether you need specialist care.
Look at monthly premiums, deductibles, copays, and what services are covered. Consider both your budget and healthcare needs.
Make sure your preferred doctors and hospitals are in the plan's network to avoid higher costs or denied coverage.
Our team at ProjectCW Health is here to guide you through every step, answer your questions, and help you find the perfect plan for your situation.
Our expert team is here to help you navigate your options and find coverage that fits your needs and budget.