Health Insurance Quotes

in arkansas

We're here to make health insurance
Easy & affordable for you

Health insurance is a big and hot topic right now – one that is just as important to us here at M&P Insurance as it is to you. Our team as M&P Insurance is here to make sure you’re appropriately covered no matter what might happen. We can’t foresee the future, but we can foresee you sleeping well at night while knowing you are protected.

We’re sure you’re probably very familiar with health insurance in its various forms, but things change constantly, and it can be confusing—and can even result in a frightening situation of “But I thought this was covered….” Let us help you figure it all out!

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Health insurance QUOTE

Health Insurance plan Types

Basically there are two kinds of standardized health insurance: Fee-for-Service, and Managed Care. You could probably say, “they’re the same, but different,” covering various medical, surgical, and hospital expenses. Prescriptions are generally covered to a degree, and occasionally dental coverage is included to an extent. You may be familiar with the following:

  • HMO – Health Maintenence Organization
  • PPO – Preferred Provider Organization
  • EPO – Exclusive Provider Organization
  • POS – Point-of-Service Plan

types of standardized health insurance

Managed care

These are most commonly called HMOs, PPOs, EPOs, and POS. These can provide comprehensive arrays of health services, and offer a financial incentive for the use of “plan providers.

Fee-for-service

This is a system where a doctor or health care provider is paid a “fee” for each service. They are essentially rewarded for volume and quantity of service provided, no matter the outcome.

High-deductible
plan linked to HSA

Like managed care, this will generally be an HMO, PPO, EPO, or POS. There are higher out-of-pocket costs, but a tax-free health savings account is linked to it. To have an HSA, you must enroll in this plan.

Catastrophic plan

Catastrophic Plan: This is for the under-30s, and with it you might have a lower premium, three primary care visits before your deductible is applied, and free preventive care.

Carriers we represent

Providing insurance coverage to
your group is important to us

We work with the major insurance companies to offer a variety of employee benefit plans including:

  • Health
  • Dental
  • Long-term disability
  • Short-term disability
  • Vision
  • Life
  • Cancer
  • Critical illness

We also offer FMLA and FSA administration, as well as a variety of voluntary benefit plans with convenient payroll deductions.

how do I know which health insurance plan is right for me?

QUESTION #1

Did you know that most health insurance plans don't cover dental and vision?

ANSWER

If you didn't know that, you're not alone! That's why M&P has dedicated dental and vision insurance experts ready to educate you on your coverage options while adhering to your needs and budget.

QUESTION #2

Are the plans the same?

ANSWER

No, each plan will pay a fixed set of costs for the “average” enrolled person. Because everyone is not average, the details will vary widely across plans. Deductibles will also vary, but you can expect that the lowest-cost plan will carry the highest deductible.

QUESTION #3

Do all insurance carriers offer all plans?

ANSWER

No, and that’s why we’re here to determine exactly what you need, so that we can get you with the carrier and plan that suits you best. We’ll use our knowledge and experience, taking into consideration your lifestyle and choice of deductibles to make the right decision for you.