Health Insurance

Are you able to confidently go to the doctor or the hospital without wondering what the costs are? Health insurance in New Jersey, New York or Florida can be obtained in a variety of ways. If your employer doesn’t provide it for you, our agents at MSM Insurance Agency Inc. in Kearny, NJ can show you how to get it on your own.

What are the health insurance options?

Various types of health insurance are available to you. Some of the most popular plans include:

• HMO
• PPO
• Health savings accounts

These will depend heavily on whether you want in-network or out-of-network doctors, what kind of medical doctors you see regularly, and whether you want the flexibility of going to specialty doctors without having to wait for a referral.

Our agents can explain the pros and cons of each insurance type so that you can make better decisions. This way, you can be more confident that you have coverage that you can count on any time you are sick, injured, or simply want a consult from a doctor.

What is the cost of health insurance?

The cost of health insurance is going to depend dramatically on the type of coverage you want, how many people you’re covering, and even what insurance company you opt to go with. Our independent agents will guide you to get you the coverage you need while balancing the costs.

Additionally, it’s important to explore how the cost of premiums isn’t the only out of pocket expenses you will deal with. There may be deductibles, co-pays, and the cost of prescriptions to factor. With our help, we’ll answer questions and show you how you can get the medical coverage you need for not only you but the whole family, too.

Find out more about how to shop for health insurance in New Jersey, New York or Florida by calling us at MSM Insurance Agency Inc. in Kearny, NJ today. We’ll work with you to customize the coverage you get.