WHO ARE YOU
Kirby Insurance was established to guide you through the complexities of health insurance. We recognize that every individual, family, and business has a distinct story. Our role is to listen carefully and thoughtfully. Share with us your experiences, your needs, and your expectations for coverage. By understanding your unique circumstances, we can tailor solutions that truly support your health and well-being.
MOST COMMON NETWORKS
A Preferred Provider Organization (PPO) is a type of health insurance plan that allows members to see providers both inside and outside of the plan's network, but with higher costs for out-of-network care.
Health Maintenance Organization (HMO) is a type of health insurance plan that provides comprehensive medical care through a network of pre-selected healthcare providers. HMOs have a limited network of doctors, hospitals, and other healthcare providers who have agreed to provide services at discounted rates.
EPO stands for Exclusive Provider Organization. It is a type of health insurance plan that limits coverage to a specific network of healthcare providers.
KEY THINGS TO CONSIDER
A health insurance deductible is the amount of money you must pay out-of-pocket for covered medical expenses before your health insurance plan starts to pay.
Co-insurance is the portion of medical costs that the insured person shares with their insurance provider.
The out-of-pocket maximum is a cap or limit on the amount of money you can be required to pay for covered healthcare services within a plan year.
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