Major Medical Insurance Agent

With major medical insurance plans you can choose your doctor and
any hospital for your medical services. You or your doctor send the bill
to the insurance company, which pays part of it. Usually, you have a
deductible such as $200 or more to pay each year before the insurer
starts paying. The plan will pay for charges such as medical tests and
prescriptions as well as from doctors and hospitals.

Major medical health insurance provides benefits up to a high limit for most types of
medical expenses incurred, subject to a deductible. Once you meet the deductible, our
major medical insurance plans pay a percentage of what is considered the "Usual and
Customary" charge for covered services. The insurance company generally pays 80%
of the Usual and Customary costs and you pay the other 20%, which is known as co-
insurance. If the insurance company charges more than the Usual and Customary rates,

Major medical insurance coverages offer more choice
of doctors (including specialists, such as cardiologists
and surgeons), hospitals, and other health care
providers than managed care plans, such as HMO,
PPO, and POS. Major medical insurance may not pay
for some preventive care, such as check-ups, and is
usually a more expensive health insurance coverage
than utilizing an HMO, PPO, or POS plan.

To learn more about HMO, PPO, and POS managed
health care insurance plans, click on a link below for
information.

Kapatoes Insurance Services

705 Boston Post Road

Suite 8

Guilford, CT 06437

203-453-0392

Toll Free: 1-888-467-3330

Fax: 1-888-453-5755 (toll free)

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Answer a few questions and we will
provide you with a quote from our
exclusive insurance program specifically
designed for Health Food and Vitamin
stores. Use the menu above to reach an
insurance quote request form.

Substantial Group Discounts

Up to 50% off of standard
insurance company pricing for
Workers Comp Insurance and
Business Owners Insurance!

(Discounts vary by state)

We are licensed in all of the states listed below and offer an exclusive
insurance program designed specifically for Health Food Store and
Vitamin Store businesses.

Major Medical Health Insurance Services

HMO Insurance Plan

PPO Insurance Plan

POS Insurance Plan

Click on the link below to fill out a quote form for
health insurance that will provide first class insurance
protection at an affordable cost for you and your
family.