Health & Life Insurance Services

Serving Clients In Utah, Nevada, California, Idaho, Washington, Florida, Texas

At The Health Insurance Center, Inc, in Spanish Fork, UT, we offer an array of insurance options to fit your and your family’s needs. We strive to not only provide health and life coverages for your unique situation, but to also be your insurance consultant to identify any gaps or exposures. We give our clients the personal attention they deserve and explain how each plan could benefit their specific situation.

For a team you can trust to give you the right policy to fit your budget, choose The Health Insurance Center, Inc. For more information about the services we provide, please contact us at 801-400-6473.

Health Insurance Options We Provide:

Preferred Provider Organization (PPO)

PPO plans are one of the most popular types of health insurance plans on the market. They come in both individual and family options and allow you to visit whichever in-network doctor or healthcare provider. This type of coverage does not require you to obtain a referral from your primary care physician to visit a specialist.

Is a PPO plan right for me?

This plan is right for people who:
Want freedom in choosing the medical facility or provider they want
Don’t want to obtain referrals before visiting a specialist, like in HMO plans
Want a portion of out-of-network claims covered by their insurance company

Health Maintenance Organization (HMO)

Individuals and families covered under an HMO plan will be required to choose a primary care physician. As such, you will need to obtain a referral from your doctor before visiting a specialist. However, out-of-pocket expenses are typically lower than a PPO plan and you may not be required to pay a deductible before coverage starts.

Is a HMO plan right for me?

This plan is right for people who:
Want a plan with lower premiums
Want a plan without a deductible
Don’t mind having a limit on out-of-pocket expenses

Health Savings Account (HSA)

An HSA is a tax-advantaged medical savings account and is coupled with a High-Deductible Health Plan (HDHP). An HDHP puts a greater amount of the health care costs on the policyholder. In exchange, premiums are much lower than PPOs and HMOs. The accompanying HSA is used to fund some of your medical expenses.

Is a HDHP/HSA plan right for me?

This plan is right for people who:
Want a plan with much lower premiums than PPOs and HMOs
Don’t visit the doctor often, but want coverage “just in case”
Want to take advantage of the tax benefits that come from having an HSA

Medicare

Medicare is a federal health insurance program for individuals age 65 and older, certain younger people with disabilities, and those with permanent kidney failure requiring dialysis or transplant. Medicare comes in four different parts, Parts A, B, C, and D. When you sign up for Medicare, you’re automatically enrolled in Part A and B, but Part B is optional. If you opt out of Part B, you are not eligible for Part C. We offer options for Part C and D, as well as Medicare Supplement plans.

Part A

Hospital insurance that covers inpatient hospital stays, hospice care, and some home health care

Part B

Insurance covering doctor services, outpatient care, medical supplies, and more

Part C

Medicare Advantage Plans cover Parts A and B and are offered by private insurance companies

Part D

Prescription Drug Coverage. This is a rider to either federal provided or private insurance.

Life Insurance Options We Provide:

Having life insurance gives you the peace of mind that your family is taken care of upon your death. We offer a variety of life insurance policies for you to choose from, such as permanent and term. We can help find the right coverage and options to suit your specific needs and budget. We will never try to sell you more insurance than you need!

Permanent Life Insurance

This type of life insurance provides lifelong protection. Insurance will remain as long as premiums are paid and is priced for you to keep over a long period of time.

Universal Life

Universal life insurance offers flexible premium payments, and since cash value is present, if a premium is skipped, it’s deducted from your cash value rather than terminated. Cash value of this coverage may earn a fixed interest or be credited with earnings from world markets such as S&P 500.

Is a Universal Plan right for me?
This plan is right for people who:
Want the benefit of flexible premiums
Want cash value build-up
Guaranteed lifetime coverage

Term Life Insurance

Term life insurance refers to the policyholder paying premiums over a period of time with an end date. If the policyholder perishes during the term, the death benefits will be paid out to the beneficiaries. The major difference between term and permanent life insurance is premiums from permanent plans are used to fund the death benefit. However, term plans the death benefit is agreed upon at the start and is paid out in full regardless of when the policyholder perishes within the term.

Term Plan

Is a Term Plan right for me?
This plan is right for people who:
Want to acquire the greatest death benefit for the lowest premium
Are younger and want to guarantee they will have necessary levels of coverage when their needs and family obligations increase
Want to enjoy higher death protection than they can otherwise afford