- Wylie, Texas, 75098
- partner@thearl.us
- customer@thearl.us
- 469 769 6056
Health Insurance
At ARL (Asset, Retirement, and Legacy), we believe that your health is your greatest asset. That’s why we provide Health Insurance solutions tailored to give you comprehensive coverage and peace of mind. We know that navigating the healthcare system can be daunting, but our knowledgeable team is here to assist you in finding a plan that suits your individual needs. Having Health Insurance is crucial for safeguarding yourself and your family against unexpected medical costs. Our plans encompass a broad range of services, including doctor visits, hospital stays, preventive care, and prescription medications, ensuring you have access to the care you require when you need it.
“Health is wealth—ensure yours is safeguarded with comprehensive coverage that genuinely cares.”
We provide a range of plans designed to accommodate various lifestyles and budgets, whether you’re an individual, part of a family, or a small business owner. Our flexible choices include HMO, PPO, and EPO plans, so you can select the network and level of care that works best for you. With ARL, you’ll receive personalized support and guidance throughout the enrollment process. We are dedicated to helping you make informed choices about your healthcare coverage, allowing you and your loved ones to concentrate on what truly matters—your health and well-being. Reach out to us today to discover your Health Insurance options!
What is Health Insurance?
Health insurance is a financial arrangement that helps cover medical costs for the insured. It offers access to various healthcare services, such as doctor appointments, hospital admissions, preventive care, and prescription drugs.
How do I choose the right health insurance plan?
Selecting the right plan involves considering your healthcare needs, budget, and preferred providers. When assessing various plans, take into account coverage options, premiums, deductibles, and network availability.
What is the difference between HMO and PPO plans?
HMO (Health Maintenance Organization) plans require members to select a primary care physician and obtain referrals to see specialists, generally providing lower premiums. In contrast, PPO (Preferred Provider Organization) plans offer greater flexibility in choosing healthcare providers and do not necessitate referrals, but they typically involve higher costs.
Are preventive services covered by health insurance?
Most health insurance plans typically cover preventive services like vaccinations, screenings, and annual check-ups without any extra cost. This strategy is designed to promote early detection and improve overall health.
What should I do if I need to see a specialist?
If you have an HMO plan, you might need a referral from your primary care doctor to visit a specialist. With PPO plans, you can typically see a specialist without needing a referral, but it's a good idea to check your plan’s network to prevent higher out-of-pocket expenses.