An individual or family major medical health insurance policy may vary greatly from one company/plan to another, but are generally written as follows. . . . . . .
Annual Deductible Per Person   $500

Annual Family Deductible   $1,500

After the deductible has been met the insurance pays 80% of $5,000

With a lifetime maximum of $5,000,000
There are a tremendous amount of differences in health insurance companies and health insurance plans.  Each company will have several different plans available to choose from, so it's best to sit down with your local agent to discuss which plan fixes your personal needs.

Health insurance policies generally use Preferred Provider Organizations (PPO).  If you choose not to use doctors and hospitals in the PPO utilized by the company then you will pay more out of pocket.


It is very important to read your policy carefully!

NOTE: This is not a policy nor is it meant to be one.  It is a brief overview of the actual policy. 
Please consult your insurance contract for actual terms and conditions.
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