Health & Life FAQ

Browse below for a selection of questions we're frequently asked when assisting clients with their health and life insurance needs. If you have a question that isn't addressed here, please let us know.

• What's the benefit of using Downes Insurance Associates instead of seeking insurance on my own?

  Not everyone is familiar with the terrain you have to cross to get quality, cost-efficient health insurance plans in today's economical climate. That's where Downes Insurance Associates comes in - our staff will help you select the perfect plan for you and your family or business. We'll explain the perks and pitfalls of potential plan options and make it easy for you to understand the fine print and jargon that health insurance paperwork can sometimes entail. At Downes Insurance Associates, it's our promise to provide an agent with every policy. As long as you're with us, you'll have a personal, local agent available to help you communicate with your health insurance provider of choice.



• What is a HMO?

  An HMO is a health maintenance organization - a group that provides comprehensive health care to those that enroll for a predetermined price. Members of an HMO pay predetermined rates and are afforded health care services as deemed necessary.



• What is a PPO?

  A PPO is a preferred provider organization (and a very common health plan). A PPO is made up of a group of doctors, dentists, hospitals and other health professionals that provide patient care at prearranged rates or discounts.



• What is a HSA (Health Savings Account)?

  A Health Savings Account is like a bank account that is funded with pre-tax or tax-deductible money that you can use to pay for qualified medical expenses. For more information about HSA Maximum Amounts, please view this PDF.