Health Insurance

Horizon Insurance provides a variety of health insurance options to meet the needs of individuals, families, and businesses across Iowa. Health insurance is essential for managing medical expenses and ensuring access to quality care. Whether you need coverage through an employer or the individual healthcare market, we can help you find a plan that fits your needs.

Employer-Based Health Insurance

Many people in Iowa receive health insurance through their employer. Horizon Insurance works with businesses to provide group health insurance plans that offer coverage for employees and their families. These plans can include benefits such as doctor visits, hospital stays, prescription medications, and preventive care. If you’re a business owner, we can help you explore options to provide healthcare coverage for your team.

Individual and Family Health Insurance Plans

For those who don’t have access to employer-based coverage, individual health insurance plans are available through the healthcare marketplace. These plans allow you to choose coverage that fits your budget and medical needs. Horizon Insurance can help you navigate the individual healthcare market and find plans that include essential benefits like routine checkups, emergency care, and prescription coverage.

Medicare Plans

Horizon Insurance is proud to assist Iowa residents in navigating their Medicare options. Medicare is a federal health insurance program designed for individuals aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. Understanding Medicare can be complex, but our team is here to simplify the process and help you find the right plan for your needs.

Medicare coverage is divided into several parts:

• Medicare Part A: Hospital insurance that covers inpatient care, skilled nursing facility stays, hospice care, and some home health services.
• Medicare Part B: Medical insurance that covers outpatient care, doctor visits, preventive services, and medical supplies.
• Medicare Part C (Medicare Advantage): An alternative to Original Medicare that offers additional benefits, such as vision, dental, and prescription drug coverage, through private insurance companies.
• Medicare Part D: Prescription drug coverage to help manage medication costs.
• Medicare Supplement Plans (Medigap): Policies that help cover out-of-pocket costs not included in Original Medicare, such as copayments, coinsurance, and deductibles.

Additional Health Insurance Options

Horizon Insurance also offers specialized health insurance plans, including short-term coverage and supplemental policies. These options can help fill coverage gaps or provide additional protection for specific needs. Our team is here to explain your options and help you choose the right plan.

Contact Horizon Insurance for Health Insurance

Horizon Insurance is ready to help you find health insurance that works for you. Visit our Contact Us page to reach out by phone or email. Let us help you explore your options and find the right coverage for your healthcare needs.