Health Insurance that helps protect what matters most

Health care costs can be unpredictable. The right coverage can help you access the care you need while protecting your finances from unexpected medical expenses.

How can we help protect your health?

From individual and family health insurance to Medicare and Long term care planning. Moskim Financial helps you understand your coverage options and make informed decisions for your health and financial future.

EXPLORE YOUR OPTIONS

Individual and Family Health Insurance

Health insurance helps protect you from high cost of medical care, including doctor visits, hospital services, prescriptions, preventive care, and other covered treatements. Individual and family plans can be purchased when coverage isn't provided through an employer, with options that vary in premiums, deductibles, provider networks, and out-of-pocket costs.

Emploer -Sponsored Healthy In surance

For man y Americans, health insurance is provided through an employer. With employer-sponsored coverage, the employer may pay part of the employee's premium while the employee contributes the remainder, usually through payroll deductions. Benefits may include medical services, preventive care, prescription drugs, hospitalization, specialist visits and emergency c are.

HMO- Health Maintenance Organization

HMO plans generally requires members to receive care from doc tors and healthcare providers within the plan's network, except for certain situations such as emergencies. Many HMOs emphasize coordinated care and may require you to select a primary care provider and obtain referrals for certain specialists. HMO is best suited for people who prefer coordinated care and don't mind using a defined provider network.

EPO- Exclusive Provider Organization

An EPO generally covers services only from providers within the plan's network, except in emergencies. EPO may not require referrals to see specialists. IT's best suited for people who want a network-based plan but prefer direct access to specialists.

PPO- Preferred Provider Organization

A PPO generally gives more flexibility when choosing healthcare providers. You can typically receive care from both in-network and out-of-network providers, although using providers within the network usually costs less. Best suited for people who value flexibility when choosing doctors and specialists.

POS- Point of Service

A POS plan combines features of HMO and PPO plans. You'll generally pay less when using in-network providers, while out-of-network care may still be available. Best suited for people who want coordinated care but some additional provider flexibility.

MEDICARE

Understand your Medicare options with confidence. Moskim Financial helps you understand the choices available to you so you can make an informed decision based on your healthcare needs and circumstances.

MEDICARE PART C- Medicare Advantage

Medicare Advantage plans are offered by private Medicare-approved insurance companies and prov ide Medicare-covered benefits through the plan. Many Medicare Advantage plans also include additional benefits, depending on the plan, and may include prescription drug coverage.

MEDICARE PART A- Hospital Insurance

Part A generally helps cover eligible inpatient hospital care, skilled nursing facility care, hospice care and certain home health services.

MEDICARE PART B- Medical Insurance

Part B helps cover medically necessary and preventive services such as doctor visits, outpatient care, Preventive screenings, certain medical equipments and health services.

MEDICARE PART D- Prescription Drug Coverage

Part D helps cover prescription medications through private plans approved by Medicare.

LONG-TERM CARE INSURANCE

Health insurance and long-term care insurance serve different purposes. Long tern care insurance is designed to help cover certain qualifying long-term services when someone needs ongoing assistance with activities of daily living or supervision because of a chronic condition or disability. Long Term care may be provided in different settings including At home Adult day care Nursing facilities Assisted living facilities Other qualifying care settings.

Ready to Explore your health coverage options?

Your healthcare needs are unique. Get help understanding your coverage options, costs, and benefits so you can choose with confidence.