Permanent Major Medical Health Insurance Plans.

At BenefitsBoutique.com, we only represent the best permanent and short term health insurance plans from the best  health insurance carriers.

If you need health insurance coverage for a only  few months, you should purchase a short term major medical health insurance plan.           Click Here to learn more about short term major medical plans.

We make it easy for you to find the best and most affordable permanent health insurance plans for you and your family. 

Affordable health insurance does not mean cheap health insurance.  All of our carriers are financially strong, and great customer satisfaction.

We represent only the best Major Medical Health Insurance Plans.  View the Health Insurance Company logos below for a partial listing of the health insurance companies that we represent.

We do not represent Discount Health Plans.  Our Major Medical Insurance Plans protect against the financial loss due to catastrophic accident or illness from in your family.

The leading cause of bankruptcy in the United States is due to medical related expenses.  What good is a discount, when you can easily exceed $100,000 in medical expenses in a single incident? 

Our major medical insurance plans not only protect your health and save you money but they limit your financial exposure in one year to no more than the maximum out of pocket.

At BenefitsBoutique.com  our customer service representatives are trained to help you find the right health insurance company and the balance between your family budget, your healthiness, and how much maximum out of pocket risk you are willing to take on more of your own medical expenses. 

If you and your family are healthy and rarely go to the doctor and can afford to take on more risk, you can save money by lowering your monthly premiums that you pay by choosing a plan with more out of pocket risk because of a a higher deductible or low coinsurance. 

The deductible is the amount that you are required to pay per person for medical expenses before the insurance company reimburses your health care providers. 

The coinsurance is the percentage of major medical expenses (usually hospital and emergency care) that you are responsible for paying after you meet your deductible, up to a pre-determined dollar amount.

For example, if you choose a $1,000 deductible plan with the safest coinsurance level, 100% coinsurance, this means that the health insurance company pays for 100% of any major medical expenses after you meet your deductible of $1,000. 

But your monthly premiums would be less  if you picked a health insurance plan with $1,000 deductible and a 80/20 coinsurance level. This means that you would be responsible for the first $1,000 in medical expenses, plus 20% of any major medical expenses, usually up to the next $10,000 in expenses, or to the level set in the plan. 

Why is this level of coinsurance less expensive?  Because you are willing to take on more of the risk of additional major medical expenses.  80% coinsurance is less expensive and more risky than 100% coinsurance, and 50% coinsurance is less expensive and more risky than 80%.

You could reduce your health insurance premiums even more money by choosing a plan that limits or even eliminates the number of doctor visit  copays  or prescription drug benefits.  

Of course, by doing this you are shouldering more out of pocket risk.

But you may feel that the  savings in the insurance premiums that you pay because you are healthy and not accident prone and can afford to take on the additional risk.

At BenefitsBoutique.com  our customer service representatives  are trained to help our customers determine the right balance between risk and affordability.

There are also new high deductible health insurance plans that are very affordable because of high deductibles and they offer  no doctor office or prescription drug benefits.  

 These plans have one family deductible, vs. individual deductibles for each family member.  This one deductible can further reduce the cost of medical expenses for a family.

But the big news is that not only do you save from having  very low insurance premiums, but the IRS  allows you to set up what is called a Health Savings Account, or HSA.

With a high deductible health insurance plans and Health Savings Accounts, you can put some of the health insurance premiums that you save into the tax-deferred Health Savings Account. 

You can then pay for your medical, dental and vision expenses on a pre-tax basis.  Any money you put into a health savings account is your money--it rolls over from year to year earning tax-deferred interest.

As long as you use your HSA funds for approved medical or dental or vision expenses, you never pay taxes on your HSA contributions or earnings!  So you save on your health insurance premiums, as well as save on your taxes.

You may have a particular doctor or hospital that you go to that you want to make sure accepts the Preferred Provdider Organization, or PPO network that the insurance plan that you select uses. 

It is usually much less expensive and there is less out of pocket risk if you visit doctors or hospitals in the PPO network used by your health insurance plan. 

We make it easy for you to check our online doctor listings, or you can contact one of our customer service representatives at BenefitsBoutique.com to assist you. 

Your actual premiums will depend on the healthiness of you and your family.  You may be eligible for a preferred health discount if you are very healthy and height and weight proportionate. 

But you may pay more if you the opposite is true.  Insurance companies may also exclude certain pre-existing conditions, or they may decide not to insure individuals at all.  

The Advisors at  BenefitsBoutique.com  Insurance companies are licensed and trained to help you sort through the options of coverage as well as help you complete the application.