Health Insurance

HEALTH INSURANCE QUOTES

Find Your Health Insurance Plan

Having the right health insurance plan is key to maintaining financial stability no matter what happens. When there is so much to consider – physicians’ networks, deductibles, co-pays, premiums – it can be difficult to know what you need. Whether you are looking for a plan for yourself or for your employees, we are here to help.

Business Health Insurance

Health insurance is the number one benefit to provide to your employees. It keeps them healthy and happy, and it signals to them that you care about their well-being. Group health insurance is financially beneficial to both your employees and your company. We are here to help you find the best plan for your group’s needs, and we make it easy by managing the administrative work. READ MORE…

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Personal Health Insurance

Health Insurance can be a complicated process to do on your own. We can help simplify the process! At Don Hoffer Insurance, we can work with you to find the best health insurance plan for you or your family based on your personal circumstances and needs. Contact Don Hoffer Insurance today to discuss which health insurance option is the best fit for you! READ MORE…

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Travel Plans

Health Insurance Options

Whether you’re looking for group health insurance options for your business in the Twin Cities or you’re an individual or family in St. Louis Park, MN in need of health insurance, here are some of the health insurance options that Don Hoffer Insurance can help you get with nearly any major health insurance carrier.

Preferred Provider Organization (PPO)

Pre-determined network of providers offers discounted rates to members
Annual deductible to meet before coverage to medical bills starts
Co-payments or co-insurance may be required for certain services
Offers flexibility of providers within network
Typically requires a referral to see a specialist

Health Maintenance Organization (HMO)

Required to choose a primary care physician to provide all medical care
- Referral to see specialist required
No or low annual deductible
Minimal co-payments
Great coverage for preventive care

Health Savings Account (HSA)

Tax-favored savings account to use towards medical expenses
Funds can roll over at end of year and accrue interest
Used in conjunction with a high-deductible plan
Lower premium, but higher out-of-pocket expense when care is needed
Offers you control and flexibility over your medical care

Point of Service (POS)

Offers flexibility of care provider with variable coverage
Primary care physician (PCP) selected; services administered by PCP not subject to deductible
Network of care providers; services administered by them typically receive higher coverage
Out-of-network care subject to high deductible coverage
Out-of-network care may require up-front payment with a claim to be submitted for reimbursement

Exclusive Provider Organization (EPO)

Primary care physician selected, will refer to in-network specialists
In-network physicians to be used except in case of emergency
Small co-payments
May require deductible

Indemnity Plans

Medical care paid out-of-pocket, with claims submitted for reimbursement
Coverage for services is pre-determined as a percentage of cost
Offer great flexibility of service provider for those able to afford up-front costs

Health insurance professional in St. Louis Park, MN

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Veteran owned business in St. Louis Park, MN

Get a Quote for Your Business

If you are a business owner looking to provide health insurance for your employees, we can help! Fill out this form and we will get in touch with you shortly.