Health Insurance

Everyone needs health insurance. Medical expenses as basic as checkups and medication can be expensive, and those with severe or chronic conditions can have trouble keeping up with the rising costs of crucial medication.

Thankfully, health insurance doesn’t have to be expensive. At Aegis Financial Partners, we work with clients from various backgrounds and medical needs to find the right health insurance at the best price. We understand that health insurance can be a confusing or stressful topic, so we take that stress away by informing our clients about coverage choices and creating a strong bond built on trust.

What Is Health Insurance Supposed to Cover?
Health insurance has many different tiers. The health plan you choose should be tailored for you and your family’s specific health needs. Despite popular belief, health insurance is not designed to cover 100% of all medical costs. Instead, it covers a portion of medical costs for items and services covered under the specific policy. Health insurance plans may cover:

• Prescription drugs
• Doctor’s visits and checkups
• Maternity care
• Childbirth care
• Outpatient care
• Emergency services and ambulatory services
• Hospitalization
• Mental health and substance use disorder substances
• Laboratory services

The amount of these services covered depends on your policy and coverage limits. There are some limitations when it comes to services and items covered, as well. Health insurance only covers services that are deemed medically necessary. Cosmetic surgeries and most dental services are not covered under basic health insurance.

Protect Your Health Today

It’s crucial to make sure you and your family can receive necessary medical attention no matter what. Get a reliable and affordable health insurance policy from Aegis Financial Partners today. Call us at or fill out an for a free quote today.

Frequently Asked Questions

How Much Does Health Insurance Cost?
Health insurance costs vary depending on your location and other factors. The average cost of health insurance in the U.S. is about $462, with the average cost of health insurance in Arizona at around $442.

How Does a Health Insurance Deductible Work?
Your health insurance deductible is the amount you will pay for medical expenses before insurance steps in. If your deductible is $1,000, you will pay for the first medical expenses until they reach $1,000. From then on, insurance will cover a portion of medical costs.

How are Health Insurance Premiums Calculated?
Health insurance premiums are calculated primarily based on your age, location, your tobacco use and type of plan. Policyholders who smoke tend to pay more for health insurance.

Who Needs Disability Insurance?
Disability insurance isn’t just for those with pre-existing conditions or proneness to illnesses. Unexpected accidents and sickness can send someone out of work for weeks, months or even years. Disability insurance helps with that financial burden while the policyholder is unable to work. Anyone working paycheck to paycheck or any worker that can’t afford to take months off of work should consider disability insurance.

What Does Disability Insurance Cover?
Disability insurance can help with health services related to the disability such as checkups, preventive services and disease management.

What Does Long Term Care Insurance Cost?
The average cost of long term care insurance is about $2,727 a year.