Health


Your health is no laughing matter. It’s important to have proper coverage that works when you can’t. Many people think of health insurance as something you use when you’re sick, but it’s much more than that. You can take advantage of the preventative services your plan offers. By visiting your doctor regularly for check-ups and getting your recommended screenings, you’re more likely to prevent more serious conditions later on.

BENEFITS
Most people cannot afford to pay the high cost of health care on their own. That’s where health insurance comes in. You pay a premium each month, and your insurer pays for a portion of the covered medical costs. So instead of paying hundreds of dollars for doctor visits, or thousands for a surgery, you pay a lesser amount depending on your plan.

Each health plan is different, but you can usually find a plan for local and overseas care, to cover preventative care, like doctor visits and screenings, as well as hospital visits, emergency room trips, and even prescription drugs. Additionally, some plans cover vision and dental, but you may need to purchase these plans for just a few dollars more.

PREMIUMS
These are the payments you make for your insurance.

DEDUCTIBLE
This is the amount you’re responsible to pay for covered medical expenses (the medical services that are covered under your plan) before your insurance begins to pay each year. When you hear that someone has “met their deductible,” it means they have paid their part of their healthcare costs. Once the deductible is met you will just have to pay a co-pay or a percentage of the cost of care, called coinsurance.

CO-PAYS
Some plans include co-pays. These are set prices for various services you may need within an approved network of medical providers.

COINSURANCE
Coinsurance means the cost of covered medical services are shared between you and your insurance company after the deductible has been met. For example, if a plan has 80/20 coinsurance, the plan would pay 80 percent of a covered medical expense, while you would pay 20 percent of the same covered medical expense up to a defined annual cap.

Sunshine Insurance proudly represents all of the major local health insurers. We can assist you in selecting the correct form of coverage to meet your individual needs and also the needs of your family.