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      • The Importance of a Home Inventory Checklist
      • Protect Your Rental Property & Income with Landlord Insurance
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      • Business Owner Policy
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      • Employment Related Lawsuits are on the RISE ... Protect Your Business with EPLI
      • Cyber Attacks are Skyrocketing, Is Your Business Protected?
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      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
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      • Why LIFE: Short
      • Why LIFE: Long
      • Why LIFE: Mortgage Protection
      • Why LIFE: Young Family
      • Why LIFE: Stay-At-Home Mom
      • Why LIFE: Working Father
      • Term vs Permanent Insurance
      • How Much Life Insurance Do You Need?​
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  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • Truck Insurance Quote >
        • ARI Trucker Insurance
        • Trucking Questions with DOT
      • Commercial Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Garage Insurance Application >
        • Auto Repair Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • General Liability >
      • Utica General Liability
      • BTIS
      • PCIC General Liability Insurance Application
      • Farmers General Liability Insurance Application
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Mobile Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Industries >
      • Laundromat Insurance Quotes
      • Contractor Insurance Quotes
      • Resturant Insurance Quote >
        • Restaurant Insurance Quotes
    • Other Quotes >
      • Dog Liability Insurance Quote
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Bank/Mortgage Inquiries
    • Insurance Certificate
    • Report a Claim
    • Make A Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • Truck Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Mobile Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Industries >
      • Laundromat Insurance
      • Contractor Insurance
      • Auto Repair Insurance
      • Restaurant Insurance
    • Other >
      • Dog Liability Insurance
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • About
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Blog
    • News
  • Research Center
    • Graduating from College Soon
    • Getting Married or Engaged
    • Moving Soon
    • Having a Child
    • Taking a Vacation
    • Teen Will Drive Soon
    • Teen is Going to College
    • Remodeling my House
    • Getting Divorced or Separated
    • Retiring
    • Buying a Boat
    • Buying a Car
    • Buying a Home
    • Buying a Motorcycle
    • Buying a RV
    • Bought a High Value Item
    • 11 Money Saving Tips
  • Videos
    • Personal Lines >
      • Homeowners Insurance Made Easy
      • Auto Insurance Made Easy (Your FAQs answered)
      • Bundling Your Insurance Can Save You Big!
      • How Umbrella Insurance Can Protect You & Your Family
      • Do You Have Enough Umbrella Insurance?
      • Flood Insurance Made Easy
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Market Value vs. Replacement Cost
      • Whats Not Included in a Standard Homeowner's Policy
      • How to Protect Your Most Treasured Possessions​
      • The Importance of a Home Inventory Checklist
      • Protect Your Rental Property & Income with Landlord Insurance
      • Renters Insurance Made Easy
      • Condos Insurance Made Easy
      • How to Save Money On Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • Selecting the Appropriate Liability Coverage
      • What To Do In An Accident
      • Teen Driver FAQs
      • Your Annual Insurance Review
      • The Value of Working with an Independent Insurance Agent
    • Commercial Lines >
      • Business Owner Policy
      • How Commercial Umbrella Insurance Can Protect Your Business
      • Employment Related Lawsuits are on the RISE ... Protect Your Business with EPLI
      • Cyber Attacks are Skyrocketing, Is Your Business Protected?
      • Protect Your Business Income with Business Interruption Insurance
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • Directors & Officers Insurance
      • Hired and Non-Owned Commercial Vehicle Insurance
      • How Commercial Flood Insurance Can Protect Your Business
      • Commercial Earthquake Insurance (CA and Other States)
      • Commercial Earthquake Insurance (PNW)
    • LIFE Videos >
      • Why LIFE: Short
      • Why LIFE: Long
      • Why LIFE: Mortgage Protection
      • Why LIFE: Young Family
      • Why LIFE: Stay-At-Home Mom
      • Why LIFE: Working Father
      • Term vs Permanent Insurance
      • How Much Life Insurance Do You Need?​
  • Contact
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Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(732) 462-8343
208 South Street
Freehold, NJ 07728
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StreetSmart Insurance​
208 South Street
Freehold, NJ 07728
(732) 462-8343​
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