Southeast Insurance Solutions, Inc.
Southeast Insurance Solutions, Inc.
2137 Chatham Avenue
Charlotte, NC 28205
Phone: 704-560-8972
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Health Insurance FAQ



What is a premium and how are they determined?

What is a deductible?

What is a co-payment?

What is coinsurance?

What's an out-of-pocket expense?
An out-of-pocket expense is any cost you have to pay yourself when receiving medical care. This includes your deductible, co-payments, and coinsurance. Most health insurance policies have an annual maximum out-of-pocket expense. Once you’ve paid out enough money to meet that maximum, your insurance company will pay the rest of your medical costs.

What is managed care?
Managed care is a form of health insurance that stresses preventive medicine and affordability. In a managed care plan, you typically choose a “Primary Care Physician” who is responsible for approving specialist and hospital care. Managed care was originally introduced as a way to control healthcare costs. It's now the most common form of health insurance in the United States. HMOs and PPOs are examples of managed care.

What is a Health Savings Account?
Health Savings Accounts aren't health insurance plans. Instead, they are a financial tool designed to help make your healthcare more affordable. The money you deposit in an HSA is tax-free. You don't pay taxes on qualified withdrawals, either. In effect, it's like getting extra money from the government to pay for healthcare. To open an HSA, you first have to purchase a high deductible health plan.

Why should I buy health insurance?
Having health insurance isn't just about paying medical bills. It's about knowing that you'll always have access to quality care. Health insurance makes seeing the doctor easy and affordable — and that means you're more likely to stay healthy.

How can I explore my health insurance options?
The best way to explore your health insurance options is to get the advice of a professional agent. Our instant quote tool will let you get started comparing plans in just minutes. When you request free quotes, you'll see your options side-by-side. To learn more about which options are right for you, contact us — we're always happy to answer your questions.

What's the best policy I can buy?
That depends on who you are. There is no single best policy for everyone. Contact us for a no obligation consultation to determine what fits your needs and budget. The following video will also give you some options.

Southeast Insurance Solutions, Inc.
2137 Chatham Avenue
Charlotte, NC 28205