Traditional

With a traditional health care policy, the insurance company pays fees for the services provided to the insured people covered by the policy. Basic protection pays toward the costs of a hospital room and care while you are in the hospital. Major medical insurance takes over where your basic coverage leaves off, covering other costs.

You can choose any doctor you wish, change doctors any time, and go to any hospital in any part of the country
You are responsible for a monthly premium, a deductible, and a percentage of the bill, after the deductible is covered
To receive payment for claims, you may have to fill out forms and send them to your insurer
You need to keep receipts for drugs and other medical costs. You are responsible for keeping track of your medical expenses
Some services are limited or not covered at all

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.