Health Insurance Individual - Family - Dickey Mccay Insurance

At Dickey McCay, we’re proud to offer a variety of individual and family health insurance plans from some of the most trusted carriers in the nation. These plans are for those who don’t receive insurance through an employer, providing them with the protection they deserve.

While individual health insurance plans cover just one person, health insurance plans for family will cover the policyholder and family members including spouse and any children under age 26. Whichever type of plan you need, the Dickey McCay team is passionate about helping you find the ideal private health care option for you – after all, nothing is quite as important as protecting you and your family’s health!

Family holding hands representing health insurance

61% of Americans have received at least one unexpected medical bill

Why Do I Need Health Insurance?

To say that life can throw us curve balls now and then would be a bit of an understatement, especially when it comes to health. Did you know that 61 % of Americans have received at least one unexpected medical bill?

Furthermore, 3 out of 4 adults have said that such a bill would cause them significant financial hardship.

Access to proper healthcare isn’t cheap, and repeated or chronic illness can quickly run up an uninsured person’s debt, even leading to bankruptcy. Financial worries are the last thing a person or family dealing with health issues needs.

Solid personal health insurance packages safeguard not only your physical and mental health by giving you access to the resources you need when you need them, but your financial health as well by ensuring those vital services are available at an affordable rate.

How Do I Find the Right Health Insurance Plan?

Since there are so many private health care insurance carriers and packages out there, how do you find the right healthcare plan for your situation? It can be complicated, as so many different factors come into the picture – your health, budget, any medications you need, and whether or not you need to see specialists, among others. This is where the type of plan you choose – HMO, PPO, POS, or EPO – becomes highly relevant.

To help you better understand these terms, let’s go through a quick, simplified run-down of the main types of healthcare plans and what they entail.

Types of Health Insurance

HMO - Health Maintenance Organization

First, we have HMOs, one of the most common of private medical insurance plans. With an HMO, you’ll pick a primary care physician who oversees the plan for you. HMOs include a network of doctors and hospitals, and you’ll only be able to file a claim if you see a doctor or visit a hospital that’s inside the network. If you need to see a specialist, your primary care physician will select one for you. The main drawback of HMOs is that they don’t allow as much freedom as other plans – you’ll be limited in which doctors you can go to.

The trade-off, however, is that HMOs are one of the cheapest options available, with low or non-existent deductibles. They’re usually a good option for urban areas as HMO network doctors tend to be in cities.

PPO - Preferred Provider Organization

PPO plans are a bit more flexible than HMOs. Like HMOs they include a network of doctors but, unlike HMOs, you’ll be able to file a claim if you see a doctor outside the network. Of course, you’ll pay less by staying inside. In addition, you won’t need a referral from a primary care physician in order to see a specialist. Both of these factors make PPOs a good option for people who need to see a lot of specialists.

That being said, overall out-of-pocket costs will be greater than those found in HMOs and generally include a deductible.

POS - Point of Service

Point of Service (POS) plans are like a hybrid of HMOs and PPOs – like an HMO, you’ll require a primary care physician to provide referrals to specialists, while like a PPO, you can get coverage for out-of-network doctors. If your primary care physician refers you to a specialist who’s out-of-network – something that’s not possible in an HMO – you’ll get more coverage than you would seeing someone out of network without a referral, which can be a nice perk.

POS plans are less expensive than PPOs but usually don’t have as many in-network doctors. Getting your claims filed can also take a lot of paperwork.

EPO - Exclusive Provider Organization

EPOs are similar to HMOs in that they include a network of doctors and hospitals that you can’t go outside of. Unlike an HMO, though, you won’t need a referral to see a specialist.

EPOs can be even cheaper than HMOs, and provide a good individual health insurance option to those who live in rural areas.

How Dickey McCay Can Help with your health insurance options

Find all the above a bit confusing? If so, you wouldn’t be the only one – the realm of insurance isn’t one that’s easy to navigate!

As you step through the insurance selection process, you may need a guide, if so, Dickey McCay is here to help.

If you choose to work with us, our aim is to meet your needs and find you the best individual health insurance plan available, one that takes into account important factors like existing health conditions and your budget.

middle aged couple shopping for health insurance rates in Georgia and Tennessee

The Dickey McCay team will scrutinize factors like premiums, deductibles, co-insurance and any other out-of-pocket costs to ensure you’re getting the most bang for your buck. Since we’re partnered with so many private health insurance companies, Dickey McCay is uniquely suited to compare different plans and hone in on one that’s ideal for you. We want to help you cut through all that “industry jargon” – leave that to us – and simply choose the option that best guarantees the long-term health and happiness of you or your family.

At Dickey McCay, the friendly insurance professionals firmly and office staff believe that, when it comes to securing your and your family’s health, there’s just no room for uncertainty.

An Individualized Approach – the Dickey McCay Difference

As you may have guessed, there’s no such thing as a “one-size fits all” insurance plan. That’s why, in order to make sure you get the best option available, the first thing we do here at Dickey McCay is sit down with you and learn more about your unique needs.

In order to find the health insurance plan for you, we need to know about, well, you! Members of our team will discuss exactly what you’re looking for in terms of budget, any specific health concerns you may have, medications or treatments you absolutely need to have covered, doctors you’d like to see, and many other factors.

This individualized approach is the foundation of the Dickey McCay way. We consider ourselves a part of the community because we are – we live in the same towns and neighborhoods as our clients. Forget faceless insurance agencies – the team at Dickey McCay strives to treat you just as we would our own family. We understand that the right plan (or lack thereof) can impact your life not just today, but also for years to come.

Insurance policies and life situations are always subject to change. Part of our individualized approach is making adjustments as needed: if you develop a new health condition and require different medications or different specialists, we’ll be here to help.

Man providing health insurance information to medical receptionist in Georgia

knock any curveballs life throws your way, out of the park

Contact Dickey McCay Today!

Looking for a fine-tuned but cheap medical insurance plan that meets the needs of you and your family? Dickey McCay is proud to help.

In fact, we’ve been helping residents of Tennessee, Georgia, North Carolina and nearby states get all types of insurance for more than 90 years.

A solid healthcare plan ensures your feet are planted firmly in the ground and you’re ready to knock any curveballs life throws your way out of the park.

If you’d like to complete a quote request form for individual or family health insurance, or give us a call today at one of our three offices. For Copperhill, Tennessee, call (423) 496-3366; for Tellico Plains, TN, call (423) 253-3524; for our Georgia office, call (888) 978-7843. The insurance professionals at Dickey McCay Insurance look forward to hearing from you to help answer your questions and/or find the right insurance plan for you or your family.

Individual and Family Health Insurance