Massachusetts Health Insurance - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, T.A. Sullivan
Agency can offer affordable HMO, PPO, POS, and
Major Medical Health Insurance policy coverages
throughout Massachusetts, with a focus on the Essex
County and Boston, MA metro area.
Health insurance plans that allow you the most
choices in doctors and hospitals also tend to cost
more than plans that limit choices. Individual and
family health insurance plans that help to manage the
care you receive, such as PPO and POS plans,
usually cost you less, but you must give up some
freedom of choice.
Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout
Massachusetts by clicking on a link below or click on
the link for information on Massachusetts Major
Medical health insurance.
Click on the link below to fill out a secure quote request form for a
Massachusetts health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with one of our Massachusetts Health Insurance agent specialists at our
Lawrence, MA location by calling (978) 683-4700 or our Methuen, MA
location at (978) 681-8200 to discuss the features.
We are a full service insurance agency with two offices in Essex County, MA offering
affordable Massachusetts health insurance policy premiums in the following cities and
counties: Lawrence, Methuen, Haverhill, Andover, Boxford, Georgetown, Groveland, Byfield,
Merrimac, Newbury, Amesbury, Salisbury, Shawsheen Village, Ballardvale, Wamesit, North
Andover, Dracut, Lowell, Chelmsford, Tewksbury, Collinsville, Billerica, River Pines, Nabnaset,
Dunstable, Pepperell, Groton, Tyngsoro, Westford, North Billerica, West Andover,
Wilmington, Silver Lake, Nutting Lake, Reading, Pinehurst, Burlington, Bedford, Hathorne,
Middleton, Lynnfield, Danvers, Hamilton, Topsfield, Plumbush, Newburyport, Salisbury Beach,
West Newbury, South Byfield, Little Neck, Rowley, Ipswich, Marlboro, South Hamilton,
Beverly, Gloucester, Manchester-by-the-sea, Rockport, Long Beach, Pigeon Cove, Wenham,
Boston, Salem, Peabody, Wakefield, South Lynnfield, Woburn, Saugus, Lexington,
Winchester, Stoneham, Greenwood, Arlington, Medford, Melrose, Everett, Revere, Chelsea,
Marblehead, Swampscott, Nahant, Lynn, Cliftondale, North Saugus, Somerville, Belmont,
Cambridge, Waltham, East Arlington, Concord, Carlisle, Middlesex County, Norfolk County,
Worcester County, Plymouth County, and Suffolk County, MA. We can also offer
Massachusetts health insurance coverage services throughout the Bay State, including in
Worcester, Framington, Leominster, Fitchburg, and Springfield, MA.
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview - Massachusetts
Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of
participating doctors from where you live in Massachusetts. That doctor is used
for typical circumstances such as annual exams and usual health issues. If you
need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor will
refer you to a provider or facility within the HMO system. Your doctor must give
authorization for those services to be covered by your HMO. In other words, you
must see HMO approved physicians and use HMO approved facilities or pay the
entire cost of the visit yourself.
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for
lower fees with a network of health care providers and give their policyholders a
financial incentive to stay within that network.
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services
cost. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Massachusetts HMO health
maintenance plan.
Click on the link below to fill out a secure quote request form for a Massachusetts
HMO health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with one of our Massachusetts
Health Insurance agent specialists at our Lawrence location by calling (978) 683-
4700 or our Methuen location at (978) 681-8200 to discuss the features.
* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
PPO Health Insurance Policy Overview - Massachusetts
You can see any health care professional in the network any time you choose to
make an appointment. You don't need referrals for specialists or other services as
you do in an HMO. You can see doctors or specialists outside your PPO network,
however, your portion of the costs will be higher.
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services
cost. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Massachusetts PPO health
insurance plan.
Click on the link below to fill out a secure quote request form for a Massachusetts
family or individual PPO health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak with one
of our Massachusetts Health Insurance agent specialists at our Lawrence location
by calling (978) 683-4700 or our Methuen location at (978) 681-8200 to discuss the
features.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - Massachusetts
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance.
Care you receive from out-of-plan health care professionals is reimbursed, but
you must pay an often times much higher co-payment or deductible amount.
While you may choose to see a physician outside the network, if you don't receive
permission from your (PCP) primary care physician, you're likely to end up
submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which
you and the insurance company share the cost for services covered by the policy.
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Massachusetts POS health
insurance plan.
Click on the link below to fill out a secure quote request form for a Massachusetts
family or individual POS health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak with one
of our Massachusetts Health Insurance agent specialists at our Lawrence location
by calling (978) 683-4700 or our Methuen location at (978) 681-8200 to discuss the
features.
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 Massachusetts 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, you will need to pay both the
co-insurance and the difference.
With Massachusetts 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
$250 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 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. Massachusetts
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 a
Massachusetts HMO, PPO, or POS plan.
Click on the link below to fill out a secure quote request form for a Massachusetts
family or individual Fee-for-Service / Major Medical health insurance policy that
provides excellent health insurance coverage and services at an affordable cost. Or
you can speak with one of our Massachusetts Health Insurance agent specialists at
our Lawrence location by calling (978) 683-4700 or our Methuen location at (978)
681-8200 to discuss the features.
Learn more about the other types of Massachusetts Individual or Family Health
Insurance polices we offer by clicking on a link below!
Learn more about the other types of Massachusetts Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Massachusetts Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Massachusetts Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Massachusetts
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T. A. Sullivan Agency
344 South Union Street
Lawrence, MA 01843
Essex County, Massachusetts
(978) 683-4700
Fax: (978) 794-8570
T. A. Sullivan Agency
369 Merrimack Street
Methuen, MA 01844
(978) 681-8200
Fax: (978) 681-7775
Massachusetts Health Insurance
T. A. SULLIVAN
AGENCY, INC.
MA Health Insurance
Since 1963
T. A. Sullivan Agency, Inc.
Copyright 2001-2009 All rights reserved
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