Health Insurance in Newton, IA
Access to medical services and health care facilities should be a top priority for everyone, as even people dedicated to a healthy and safe lifestyle may eventually need medical care. Fortunately, health insurance coverage can provide the financial means to ensure you and your family are able to receive care when needed.
What Does Health Insurance Cover? 
Health policies can often be customized and tailored to suit your unique circumstances, including your needs, budget and preferences. In many cases, plans may offer financial assistance for the following types of health care services:
- Hospitalization
- Emergency services
- Preventive care
- Ambulatory services
- Prescription drugs
- Mental health and substance abuse services
- Maternity, pregnancy and newborn care
- Laboratory services
- Rehabilitative and habilitative care and devices
- Pediatric services
How Health Insurance Works
Health plans typically include several key components that may determine the capabilities and details of coverage as well as potential costs. When assessing your options, consider the following features:
- Deductible—This is the amount you pay out of pocket in a plan year before your coverage can begin providing aid.
- Premiums—These are the regular (e.g., monthly) payments you make to maintain the validity of your policy.
- Copays—These establish flat fees you are responsible for paying for certain services, such as X-rays and regular checkups.
- Coinsurance—This part of your policy establishes percentages you are responsible for paying out of pocket when receiving specific care or procedures.
- Out-of-pocket maximum—This establishes a limit you pay for health care in a single plan year, after which your insurance will take care of all covered services.
We’re Here to Help
As a knowledgeable and experienced health insurance company, Interstate Insurance Agency, Inc is well-positioned to help you and your family find the right coverage. Contact us today to learn more.