David Stoner Health is licensed and insured to provide you a safe, and professional experience. We never sell, share, or publish your information with any third parties. Your information is safe, secure, and only used to show real, viable products with carriers you've heard of before.

Although health insurance can be complex, it can be made simple if speaking with a licensed professional who can break things down in an easy to understand way. All health insurance will have similar terms like, deductible, co-insurance, co-pays and max out of pocket. DSH Health is known for breaking down plans in their simplest terms to make sure you understand exactly what you are paying for and how your plan works.

Health insurance cost can vary depending on a few factors, such as age, zip code and income. To figure out what is most cost-effective for you, it is important to get in contact with an agent that is licensed in your state and has access to all the plans on and off the marketplace. David Stoner Health takes an educational approach, making every client an expert in the health insurance world, and showing them all of their options to choose from.

Affordable health insurance is attainable typically through income based subsidized or private underwritten plans. A principle we stress at DSH is obtaining affordable insurance, not "cheap" insurance. Because cheap insurance is the most expensive insurance when something bad happens. With our agents having access to all public and private options, we are experts at finding individuals and families affordable health coverage.

A health insurance agency is a group of agents that work under a company to sell insurance products to consumers. David Stoner Health is an independent agency that provides access to a range of health insurance products from multiple carriers in one place. With David Stoner Health, you can choose from a wider range of carriers.

Health insurance agents are licensed salespeople who represent one or more insurance companies. They are licensed to sell in certain states, and can’t charge you any fees for assisting you in obtaining health insurance for you and your family. Captive agents are agents that represent only one insurance carrier/company; meaning they work exclusively for that one company. These agents represent their company, not their clients. They can only sell you coverage that their one company offers.Here at David Stoner Health, we don’t have any captive agents; meaning we represent you, not the tens of companies we service for. This ensures that we will find the best coverage for you, your family, and your business’ unique situation.

Underwritten health insurance involves an application process where the insurance company will look at you and your family’s medical and prescription history. If you’re able to get approved through that process, not only can you get a plan with a nationwide PPO, but it often is more affordable than other health insurance options because you are put into a network of other healthy individuals and families.

A Family health insurance is a plan that covers any members in your household. Most family plans have a family deductible & Out of Pocket Max which may result in a lot of savings when you have a larger family size than 1-2 members.

What family members can be on your family health insurance plan? Spouse and your dependents under the age of 24-26 (dependent upon your state of residence). For instance, if you're married without any children or dependents, your family plan would really just be for the two of you.

If you had a spouse and 6 kids (under ages 24-26), your plan would cover your family of 8. If you get family health insurance through an employer, they’ll more than likely use the term “employee plus family.” This will work the same way for your family as what is stated above.

Nationwide PPO is typically the term used for a health insurance plan that has a large enough network to cover you across the country, not just in a smaller local network, like an HMO, for example. When looking at health insurance options, obtaining a nationwide PPO would give you access to more providers and specialists in your area and across the country without any requirements of needing referrals to see specialists.

Short terms are health plans with a limited duration designed to bridge a gap between longer-term plans and are exempt from most insurance regulations and not required to provide coverage for all health issues. Also referred to as Short-term or limited-duration insurance. Short terms are best known for underwriting at the point of a claim, meaning when a claim happens they go digging through your medical records looking for a reason not to cover you. The attraction is typically the low price, however people don't realize there are plans that are comparable in price that have to cover your claims.

Multi-plans are Limited-benefit plans that are primarily designed to supplement comprehensive health care policies, not to replace them. They do not provide comprehensive coverage.

Marketplace health insurance also referred to as On-Exchange, ACA or “Obamacare”, is a federal based insurance program that partners with private insurance carriers to provide income based pricing and coverage for all US citizens and residents. The Affordable Care Act implemented coverage standards that prevent insurers from discriminating against applicants or charging them higher plan premiums - based on preexisting conditions or gender.