Health Insurance

from Songer Insurance Agency, Inc.

Health Insurance

A healthy body is a happy body, and there’s no better way to preserve your health and your Business's health than with a health insurance policy from Songer Insurance.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Songer Insurance can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.

Types of Health Insurance in West Virginia

Songer Insurance Agency Inc. provides group health insurance to businesses in Beckley, Princeton, Lewisburg, Charleston, Summersville, Oak Kill, and surrounding areas in West Virginia and other states. 

As an employer in today’s business world, Songer Insurance knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At Songer Insurance, we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable, but complements your business’s needs.

Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Lowry Insurance who can help you find a solution that’s ideal and feasible for you and your employees.

Common Health Insurance Terms

When discussing health insurance with an agent, it helps to understand some of the common terms you’ll hear. Below you’ll find definitions to some of the most common health insurance terms.

  • Deductible - The amount of money you pay toward medical bills before your insurance coverage begins.
  • Co-pay - A specified amount of money you pay upfront for doctor visits and prescription refills.
  • Coinsurance - The percentage of medical bills you pay after meeting the deductible.

To learn more about Beckley health insurance, call and talk with one of our agents today. We’ll guide you toward a more secure future.