Health Insurance

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Type of Insurance

Health Insurance Broker

Healthcare is one of the most complex segments in the insurance world. Hotwire Insurance Services will help you navigate through the many types of health insurance policies and help you find the one that is best suited for you and your family.

Despite the fact that Americans must maintain minimum essential coverage (or face a tax penalty if they don’t qualify for an exemption), opting to not have heath insurance is a risky decision. Medical costs can be extremely high, especially when surgery or lengthy treatment is required. Without proper coverage, you could end up losing everything you have, or not be able to receive proper care.

26% of American adults are struggling to pay medical bills

Health Insurance can protect your assets

There are essentially two kinds of heath insurance: Fee-for-Service or FFS (physicians and Healthcare providers receive, retroactively, a fee for each service, visit, test, procedure) and Managed Care (HMO) with plans that provide comprehensive health services. If your employer doesn’t provide healthcare benefits, or if the program doesn’t cover your spouse and children, you need to purchase a separate insurance.

Health Insurance Essentials

  • Hospitalization
  • Ambulatory services emergency services
  • Maternity and newborn care
  • Services for mental health disorders and substance abuse
  • Prescription drugs
  • Lab tests
  • Disease screening
  • Pediatric services including dental and vision care
  • Rehabilitative and “habilitative” services

Hotwire is a Health Insurance broker serving San Diego and Chula Vista.