Health Insurance Options That Fit Your Needs!
At James Kali Financial we have helped many people find the insurance protection designed for them. Depending on your needs, health background, whether you are a business owner, an independent contractor looking for their own insurance or an employee of a business, between jobs, or if you just need temporary coverage we have options that will help! We can even help those 64 and older with their medicare needs.
Private/Individual Insurance
- Purchased directly from an insurer or through a marketplace (like Healthcare.gov)
- Benefits: Flexibility to choose your own plan, not tied to employment, can be tailored to specific needs
Government-Sponsored Insurance
- Medicare — for people 65+ or with certain disabilities
- Part A: Hospital insurance
- Part B: Medical insurance (doctor visits, outpatient care)
- Part C (Medicare Advantage): Bundled private alternative to Original Medicare
- Part D: Prescription drug coverage
HMO (Health Maintenance Organization)
- Requires a primary care physician (PCP) and referrals for specialists
- Benefits: Lower premiums and out-of-pocket costs; coordinated care
PPO (Preferred Provider Organization)
- No referrals needed; can see out-of-network providers at higher cost
- Benefits: More flexibility and choice of doctors/specialists
EPO (Exclusive Provider Organization)
- Must use in-network providers (except emergencies), no referrals needed
- Benefits: Lower premiums than PPO, more flexibility than HMO
POS (Point of Service)
- Hybrid of HMO and PPO; needs PCP referrals but allows some out-of-network care
- Benefits: Balance of cost savings and flexibility
HDHP (High-Deductible Health Plan)
- Lower premiums, higher deductibles; often paired with an HSA
- Benefits: Lower monthly costs, HSA tax advantages, good for those who rarely need care
Supplemental/Specialty Coverage
Dental Insurance — Covers cleanings, fillings, and major dental work
Vision Insurance — Covers eye exams, glasses, contacts
Short-Term Health Insurance — Temporary coverage during gaps (e.g., between jobs)
Critical Illness/Accident Insurance — Lump-sum payout for specific diagnoses or injuries
Long-Term Care Insurance — Covers nursing home, assisted living, or in-home care