Find the Right Health Insurance for You and Your Family

Having the right health insurance is essential. You need coverage that fits your budget while providing access to trusted healthcare providers for the services you and your family rely on. At Fortunata Agency, we help you find the best individual and family health insurance plans tailored to your needs.

Copays, Deductibles, and Coinsurance

Choosing a health insurance plan involves understanding its costs and benefits. Here are key factors to consider:

• How much is the copay?
  The copay is a flat fee you pay for doctor visits or prescriptions. Some visits may not require a copay, and many plans cover preventive care and annual checkups at no additional cost.
• What is the deductible?
  The deductible is the amount you pay out-of-pocket each year for eligible medical expenses before your insurance begins to cover costs.
• How much is the coinsurance?
  Coinsurance is the percentage of medical expenses you’re responsible for after meeting your deductible. For instance, if your coinsurance is 20%, you’ll pay 20% of eligible costs while your insurance covers the remaining 80%.

Cost of Individual & Family Health Insurance

The cost of health insurance varies based on coverage level and personal factors. Generally, higher monthly premiums result in lower out-of-pocket costs for medical expenses. Fortunata Agency’s experienced agents are here to guide you in selecting a plan that balances affordability with comprehensive care.