Health Insurance Coverage

Protect Your Family's Health - Today

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy through Diedrich Family Insurance Agency.



Let’s face it - medical treatments aren’t cheap. Without health insurance coverage, you could end up paying off medical bills for the rest of your life. We can help you find an affordable healthcare plan that’s right for you. Contact us to assure your family is adequately covered.

Types of Policies

There are basically three major types of health insurance policies for Wisconsin residents to choose from - consumer-directed, fee-for-service, and managed care. These health plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

Consumer-Directed

A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of health care plan that’s designed to give you more control. As part of the plan, you set up a health fund that can be used to cover medical expenses.

Fee-for-Service Plan

A fee-for-service plan is a more traditional health care plan. It means you pay a fee to your provider for every health care service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Managed care health plans generally include more benefits such as lower out-of-pocket costs. However, you can only receive treatment from physicians participating in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of-service (POS) plans.



Common Health Insurance Terms

When discussing health insurance with a Diedrich Family Insurance agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions of 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.

To learn more about health insurance, contact us and talk to one of our agents today. We’re right here in Appleton, Wisconsin, ready to guide you toward a more secure future.