R.D. Fink Agency, Inc.
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    • Life and Health Insurance Quotes >
      • Life Insurance Quote
      • Health Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • Medicare Plan Quotes
    • Business Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Medicare Planning
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Life & Health >
      • Life Insurance
      • Health Insurance
      • Disability Insurance
      • Long Term Care Insurance
    • Medicare Supplement Coverage
    • Business >
      • Business Insurance Overview
      • General Liability Insurance
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Professional Liability Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Workers Compensation
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Umbrella Insurance
  • Blog
  • About
    • Why Choose an Independent Agent?
    • Refer a Friend
    • Staff Directory
    • Insurance Carriers
    • Mobile Website
    • Privacy Policy
    • Client Testimonials
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Contact


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.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury, and includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers within their networks. A network is a group 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 may be able to visit an in-network provider without a referral.
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 set up a health savings account (HSA), either through the insurance company (if offered) or an outside third-party such as a bank or brokerage firm. Funds contributed to the HSA may be tax deductible (subject to certain IRS guidelines) and can be used to pay for qualified out-of-pocket medical costs that aren't covered by the health insurance plan. 
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, vision or dental services. 
  • 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.
(215) 230-9810​
1456 Ferry Road
Suite 602
Doylestown, PA 18901​
Click Here to Email Us
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Licensed in ​Pennsylvania and New Jersey

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R. D. Fink Agency, Inc.​
1456 Ferry Road
Suite 602
Doylestown, PA 18901
(215) 230-9810​
​Click Here to Email Us

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