Health Insurance for Individuals and Families
All Pro Benefits will customize a health care plan that meets your needs. Costs will depend on: Family or individual coverage Choice of plan type Home address Decisions on coinsurance, deductibles, additional benefit purchases Health History In general, two basic policy types are offered: Traditional Major Medical Plans Doctor office visits $10 to $30 Coinsurance of 60% to 90% (the portion the insurance company pays after the insured meets a deductible) Deductibles of $250 to $2,500 Maximum out of pocket limits will vary by plan In/out of Network Prescription plan options: co-pay, discount Health Savings Account (HSA) Premiums are typically lower with an HSA With an HSA, there are no benefits from the insurer prior to an insured meeting the yearly deductible unless wellness first dollar coverage is chosen, therefore coinsurance and office visit fees do not apply Deductibles of $1,000 to $5,000 per individual Deductibles of $2,000 to $10,000 per family Lifetime benefits up to $5 million HSA accounts may be established through tax deductible contributions Qualified withdrawals from the HSA are tax-free Optional benefits may include: life insurance, wellness benefits, discount cards for dental, vision, prescription

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