Contact Us: (305) 270-2220
American Trust Insurance
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  • Service
    • Claims Directory
    • Report a Claim
    • Make a Payment
    • Insurance Certificate Request
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • Roadside Assistance
      • Classic Car Insurance
      • RV Insurance
      • ATV Insurance
    • Business >
      • Business Insurance
      • Insurance Bonds
      • Workers Compensation
      • Event Insurance
      • Business Owners Package (BOP) Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Renters Insurance
      • Flood Insurance
      • Landlords Insurance
    • Life/Financial >
      • Life Insurance
      • Final Expense Insurance
      • Annuities
    • Group Health >
      • Group Health Insurance
      • Dental Insurance
      • Vision Insurance
      • Medicare Supplement Coverage
      • Critical Illness Insurance
      • Long Term Care Insurance
    • Financial Planning
    • Motorcycle Insurance
    • Boat Insurance
    • Umbrella Insurance
    • Disability Insurance
    • Travel Insurance
  • Blog
  • About
    • Agency Staff
    • Insurance Carriers
    • Client Testimonials
    • Agency Photo Gallery
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    • Newsletter Signup
    • Refer a Friend
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    • Reviews
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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 Group Health Insurance?

Group health insurance is coverage that provides employees of a business for the payments of benefits as a result of sickness or injury. 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 inside their networks. A network is a list 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 can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
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 use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
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 or shots. 
  • 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.
(305) 270-2220
9360 Sunset Drive
Suite 240
Miami, FL 33173
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American Trust Insurance
9360 Sunset Drive, Suite 240
Miami, FL 33173
(305) 270-2220
info@americantrustins.com

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