Frequently Asked Questions on Health Insurance

We understand that navigating the world of health insurance can be complex. Here are some of the most common questions we receive from our clients.

How does health insurance work?

You pay a premium for coverage, and in return, the insurer pays for certain medical expenses. You may also have copayments, deductibles, and coinsurance.

What is a deductible?

A deductible is the amount you pay out-of-pocket for healthcare services before your insurance starts covering costs.

What are copayments and coinsurance?

Copayments are fixed amounts you pay for specific services, while coinsurance is a percentage of costs you share after meeting your deductible.

What is an out-of-pocket maximum?

The out-of-pocket maximum is the most you’ll pay in a year for covered services. After reaching this limit, insurance covers 100% of the costs.

How do I begin the process?

To apply for health insurance, we need to first identify your particular needs.  We start by a quick phone call to ask some questions for us to get started in our search.  You'll need to answer questions about your medical history, current providers and monthly price range.  

How do you choose the right plan for me?

We consider your health needs, budget, and whether your preferred doctors and hospitals are in-network. We then compare different plans based on coverage and costs.

Why chose to trust Stivers Health Solutions?

We provide personalized, expert guidance to help you find the best health insurance coverage that best fits you and your family's needs.  By working with us, you’ll gain a trusted advocate dedicated to finding the insurance that best protects and supports your unique needs.

Testimonials

"Wonderful service with a smile, helping others get the coverage right for them. Highly recommend!"

Steve

"For many years I have searched and compared insurance plans and hoped I was finding the best available plan based on our healthcare needs. With Kristi, I was able to hear of the best matched plan and understand all the benefits and apply to get it started, all in a very timely fashion. I would recommend Kristi if / when your are searching for insurance options."

Marcus

"At times, it can feel like some parts of “adulting” are purposefully hard to understand. The insurance world is one of those areas for me. Kristi took the time to answer my questions and made sure to take care of everything I needed! I’m grateful I found someone who made adulting just a little bit easier!"

Catrina

Need More Information?

Contact the Stivers Healthcare Solutions today for personalized consultations and expert guidance

on finding the best health insurance solutions for you, your family, or your small business!

Call us today at 502-216-9760