Health Insurance

Good Decisions Today for a Healthy Tomorrow.

As medical expenses continue to rise, it’s more important than ever to get health insurance coverage to meet your unique needs. Health insurance provides financial help with your medical costs, including preventative care. Health coverage can reduce the amount of money you pay out-of-pocket for health care.  

Your health insurance plan options vary according to your needs and may cover everything from hospital expenses to doctor visits to prescription drugs. Contact your agent at Cornerstone Insurance Services to learn more about your health insurance choices and get a quote.  

Is Health Insurance Required?  

While the United States government doesn’t have laws requiring individuals to have health insurance, having access to a health care plan can help minimize the amount of money it costs you to get the services you need. With health coverage, you’ll have access to a network of hospitals and doctors that can provide care typically at a lower cost than you’d pay without health insurance.  

Before you decide whether buying health insurance coverage is the right choice, talk with your agent to determine how to get the best coverage for your money.  

How Much Does Health Insurance Cost?  

Your health insurance premiums depend on several factors, including the plan you choose and the amount of health insurance coverage you’ll have. You may pay more for family plans, but it’s still possible to get low-cost coverage, even if you prefer to see a specific doctor or want to include dental insurance coverage.  

Variables like your zip code, the number of people included with the health insurance policy, their ages and health risk factors also affect how much you’ll pay for health insurance coverage.  

Your agent can help you get an accurate quote so you understand precisely how much money you may pay for essential health benefits and evaluate your health insurance options.  

What Types of Health Insurance Can I Get? 

At Cornerstone Insurance Services, we offer many health insurance plans and health coverage options that include essential health benefits, such as: 

·       Group health insurance plan 

·       Individual and family plans 

·       Dental insurance 

·       Vision insurance 

·       Medical expense health insurance 

·       Child health insurance 

·       Travel health insurance 

·       Health savings accounts (HSAs) 

·       Supplemental health insurance 

·       Disability insurance 

·       Prescription insurance health coverage 

·       Long-term care insurance 

We’ll even help you choose a health insurance company so you can have access to essential health benefits. 

Contact Us To Get the Right Health Insurance 

Getting the health insurance coverage you need at a fair price can seem like a daunting task. Contact Cornerstone Insurance Services to get the support you need as you make important choices about health coverage for your family. We serve multiple communities, including Swea City, Algona, Estherville, Fairmont, Bancroft, and Armstrong.  

2024 Medicare Disclaimer

For the following Counties in Iowa: Clay, Dickinson, Emmet, Kossuth, and Palo Alto

*Prescription Drug Plan (PDP)*

“We do not offer every plan available in your area. Currently we represent 5 organizations which offer 15 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”

*Medicare Advantage Prescription Plan (MAPD)*

“We do not offer every plan available in your area. Currently we represent 4 organizations which offer 19 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”