Al Shank Insurance, Inc




Health Insurance, Liberal, KS

Why You Need Health Insurance

The United States does not have socialized medical care. If you have no Health Insurance coverage, you have to pay for health care out of your own finances at the time of service. This can run into many thousands of dollars for serious illnesses.

You buy Health Insurance for the same reason you buy other kinds of insurance: to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive.

You cannot predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have Health Insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.

Many people in the United States are enrolled in some sort of managed care health insurance plan. This is an organized way of both providing services and paying for them. Different types of managed care plans work differently and include preferred provider organizations (PPOs), health maintenance organizations (HMOs), point-of-service (POS) plans and fee-for-service plans.

Individuals enrolled in health care plans pay a monthly or quarterly fee as insurance for the time when they will need medical attention. At the time when a service is provided, the health insurance organization pays part or all of the fee, minimizing the amount you have to pay at the time you receive the service.

Finding individual Health Insurance for your family can be confusing. Our team will help guide you through the process to help you make the right choice for your family.

  • Get no-obligation health insurance quotes to compare plans.

  • Learn about short term insurance, temporary medical coverage to bridge gaps.

  • Lost your job or become self employed? Learn about COBRA health insurance.

  • Own a business - Understand health insurance options for the self-employed.

  • Sick? Facing pre-existing conditions? Learn about high-risk insurance pools.

  • Get all your questions answered about the health care changes and health care insurance and how it pertains to you.

Contact us today to determine your needs and let us formulate a plan that will save you money as well.



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Al Shank Insurance
This Agency is a certified IMMS member and consistently meets or exceeds the highest level of customer satisfaction.