Osborn Isurance Services is a full-service agency that provides low-cost and complete benefit packages for individuals, families, and the small business community. Since 2001, Osborn Insurance Services has provided superior service to our clients specializing in Senior, Business and Personal Health Insurance. Our additional lines of business include Life Insurance, Aflac Supplemental, Disability and many other types of insurance related products.
The Health Insurance marketplace is becoming more and more difficult to navigate, and insurance brokers are needed to assist in this process more than ever before.
The Health Insurance marketplace is becoming more and more difficult to navigate, and insurance brokers are needed to assist in this process more than ever before.
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When it comes to your children, safegarding their health and finanical future starts as early in life as possible.
Make sure to make that easier on yourself, by purchasing health insurance specifically geared towards children -- today.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills.
Make sure to make that easier on yourself, by purchasing health insurance specifically geared towards children -- today.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills.
Health insurance is a critical to helping you control your health care costs.
You pay health care companies a premium - a set amount of money each month - and you get benefits to pay for your eligible health care expenses.
This can include regular doctor checkups or injuries to treatment for long-term illnesses.
You can purchase individual health insurance through the Health Insurance Marketplace on your own or we can help you work through your options.
We all know how expensive health care can be.
You pay health care companies a premium - a set amount of money each month - and you get benefits to pay for your eligible health care expenses.
This can include regular doctor checkups or injuries to treatment for long-term illnesses.
You can purchase individual health insurance through the Health Insurance Marketplace on your own or we can help you work through your options.
We all know how expensive health care can be.
There are different types of Marketplace health insurance plans designed to meet different needs.
Some types of plans restrict your provider choices or encourage you to get care from the plan's network of doctors, hospitals, pharmacies, and other medical service providers.
Others pay a greater share of costs for providers outside the plan's network.
Here is an overview of the types of marketplace plans available to you.
Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level - Bronze, Silver, Gold, and Platinum.
Some types of plans restrict your provider choices or encourage you to get care from the plan's network of doctors, hospitals, pharmacies, and other medical service providers.
Others pay a greater share of costs for providers outside the plan's network.
Here is an overview of the types of marketplace plans available to you.
Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level - Bronze, Silver, Gold, and Platinum.
Under the Affordable Care Act (ACA), fully insured small group and individual health plans on and off the Exchange/Marketplace must cover essential health benefits (EHB).
Essential health benefits are minimum requirements for all plans in the Marketplace.
Plans may offer additional coverage.
You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Ambulatory patient services (outpatient care you get without being admitted to a hospital).
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy).
Essential health benefits are minimum requirements for all plans in the Marketplace.
Plans may offer additional coverage.
You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Ambulatory patient services (outpatient care you get without being admitted to a hospital).
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy).
Under the Affordable Care Act, health insurers and self-funded employers must provide a uniform Summary of Benefits and Coverage (SBC) to people who apply for and enroll in health policies.
This information allows you to make "apples-to-apples" comparisons when you're looking at different coverage.
All individual and group health policies must use the same standard form to help you compare policies.
The SBC also includes details, called coverage examples, which allow you to see what the policy would cover in two common medical situations: diabetes care and childbirth.
This information allows you to make "apples-to-apples" comparisons when you're looking at different coverage.
All individual and group health policies must use the same standard form to help you compare policies.
The SBC also includes details, called coverage examples, which allow you to see what the policy would cover in two common medical situations: diabetes care and childbirth.
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