Some of Our More Popular Services
Individual / Family Insurance
No matter how old you are, it's never too soon to start thinking about personal life insurance.
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Medicare
Medicare is a program for people age 65 and older. Those with certain disabilities or permanent kidney failure under the age of 65 can also qualify for Medicare.
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Group Insurance
In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll.
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Common Health Insurance Terms
When discussing health insurance with an agent, it helps to understand some of the common terms you’ll hear. Below you’ll find definitions to some of the most common health insurance terms.
- Deductible - The amount of money you pay toward medical bills before your insurance coverage begins.
- Co-pay - A specified amount of money you pay upfront for doctor visits and prescription refills.
- Coinsurance - The percentage of medical bills you pay after meeting the deductible.
Companies Represented
With so many different options, deciding on the right Health Insurance can be confusing. But with the changing laws and the cost of healthcare on the rise, you can't afford to take chances with the health of you and your family members. If an accident or illness occurs, paying high medical costs out of your own pocket can be a financial disaster. If your employer does not offer an adequate health benefit package, or you are self-employed, unemployed, retired, or a student, we can help you sort through the wide range of different insurance options and find the right plan at a price you can afford.
Stone Insurance of Suffield will help you understand the different types of health insurance choices for you and your family. Although plans differ, they basically cover most medical, surgical, and hospital expenses and can cover prescription drugs. Many plans even offer preventive health care, immunizations, and dental coverage.
Fee-For-Service (FFS) is a health plan in which the medical professional is paid for the services provided to the patient. Patients are free to choose their doctor and the claims are filed either by the health care provider or the patient.
Most health care plans are some form of Managed Care. Managed Care policies include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point-Of-Service (POS).
HMO - With HMO's all your health care services go through your primary care physician. You will sometimes need a referral before seeing specialists or other health care professionals. This usually means less paperwork and lower health care costs for everyone.
PPO - This plan offers more flexibility. You do not need a primary care physician and can go to any health care professional you chose although with staying inside the network you will have lower out-of-pocket costs.
POS - These plans combine some of the qualities of the HMO and PPO plans and the benefits levels may vary depending on whether you receive your care within the network of providers. Like with HMO plans you choose your primary care doctors and need referrals to network specialists when needed. Like PPO plans you may receive non-network care but with greater out-of-pocket costs.
Obtaining the right medical insurance coverage is crucial. If you prefer to have your care coordinated through your primary care doctor, an HMO plan might be the right choice for you. If you would prefer more flexibility with your medical care or see a lot of specialists, you might look into a PPO plan.
GROUP HEALTH BENEFITS
With the face of healthcare changing, there is a lot to know and likely many questions when it comes to creating a Group Health plan for your company. is here to help guide you.
Group health insurance is one of the most important employee benefits offered and consistently the most popular.
Employers have a number of plan options including Preferred Provider Organization (PPO), a Health Maintenance Organization (HMO) and Consumer Driven Health Plan (CDHP). You'll also want to consider part time employees or those who don't qualify for the same benefits as full time employees. There are plans to accommodate your diverse work force.
Stone Insurance of Suffield has been that trusted advisor to many of the businesses throughout the state of Connecticut and Massachusetts. Give us a call or take advantage of our secure quote request form and allow us to earn your trust.
Stone Insurance of Suffield will help you understand the different types of health insurance choices for you and your family. Although plans differ, they basically cover most medical, surgical, and hospital expenses and can cover prescription drugs. Many plans even offer preventive health care, immunizations, and dental coverage.
Fee-For-Service (FFS) is a health plan in which the medical professional is paid for the services provided to the patient. Patients are free to choose their doctor and the claims are filed either by the health care provider or the patient.
Most health care plans are some form of Managed Care. Managed Care policies include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point-Of-Service (POS).
HMO - With HMO's all your health care services go through your primary care physician. You will sometimes need a referral before seeing specialists or other health care professionals. This usually means less paperwork and lower health care costs for everyone.
PPO - This plan offers more flexibility. You do not need a primary care physician and can go to any health care professional you chose although with staying inside the network you will have lower out-of-pocket costs.
POS - These plans combine some of the qualities of the HMO and PPO plans and the benefits levels may vary depending on whether you receive your care within the network of providers. Like with HMO plans you choose your primary care doctors and need referrals to network specialists when needed. Like PPO plans you may receive non-network care but with greater out-of-pocket costs.
- Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
Obtaining the right medical insurance coverage is crucial. If you prefer to have your care coordinated through your primary care doctor, an HMO plan might be the right choice for you. If you would prefer more flexibility with your medical care or see a lot of specialists, you might look into a PPO plan.
GROUP HEALTH BENEFITS
With the face of healthcare changing, there is a lot to know and likely many questions when it comes to creating a Group Health plan for your company. is here to help guide you.
Group health insurance is one of the most important employee benefits offered and consistently the most popular.
Employers have a number of plan options including Preferred Provider Organization (PPO), a Health Maintenance Organization (HMO) and Consumer Driven Health Plan (CDHP). You'll also want to consider part time employees or those who don't qualify for the same benefits as full time employees. There are plans to accommodate your diverse work force.
- Health Insurance
- Dental Insurance
- Vision coverage
- Health Savings Accounts
Stone Insurance of Suffield has been that trusted advisor to many of the businesses throughout the state of Connecticut and Massachusetts. Give us a call or take advantage of our secure quote request form and allow us to earn your trust.
About Us
Stone Insurance of Suffield, LLC. is an independently owned and locally operated insurance agency in Suffield, Connecticut.
We help people across the state find affordable and reliable insurance products from a variety of trusted carriers. As an independent agency, we can help you find the perfect combination of coverage and price to fit your unique needs.
We help people across the state find affordable and reliable insurance products from a variety of trusted carriers. As an independent agency, we can help you find the perfect combination of coverage and price to fit your unique needs.