Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

What is Health Insurance?

Health insurance is a vital form of coverage that provides financial assistance for medical expenses and healthcare services. It helps individuals and families manage the costs of medical treatments, prescriptions, hospital stays, preventive care, and more. Health insurance offers peace of mind by ensuring that you have access to necessary medical services without facing overwhelming financial burdens.

Insurance Mart specializes in offering comprehensive health insurance solutions in Fremont, NE 68025. Our health insurance policies are designed to provide you with access to quality healthcare services while minimizing out-of-pocket expenses. We understand the importance of maintaining your health and well-being, and our policies are tailored to suit your specific needs and budget.

When you choose Health Insurance Fremont, NE 68025 with Insurance Mart, you're choosing a partner that values your health and strives to make healthcare more affordable and accessible. Our experienced team is dedicated to guiding you through the process of selecting the right health insurance coverage for you and your family. With Insurance Mart, you can focus on your health and receive the medical care you need without worrying about the financial aspects.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(402) 727-9618​
Lincoln, Nebraska 68507​
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