Your modern insurance partner: Securing your future.
Customer Support: info@hoyer55.com
Call to Expert: +1 410 562 46 60
Health protection for a worry-free life
Health is the foundation of a happy and productive life, and our goal is to ensure you have access to the care you need, when you need it most
Our Health Insurance plans are flexible, offering a range of options that can be tailored to your individual or family needs. From preventive care and prescription drug coverage to specialist visits and hospitalization, our plans ensure that you have access to the best care available without the worry of high out-of-pocket expenses. We partner with top healthcare providers to offer extensive networks, giving you the freedom to choose trusted doctors and hospitals wherever you are.
We believe in making healthcare accessible to everyone, which is why we offer competitive premiums and deductible options, ensuring that our plans are affordable without compromising on quality. With Hoyer55, you’ll never feel alone in managing your health—our dedicated customer support team is always available to answer questions, assist with claims, and provide guidance through every step of your healthcare journey.
Our Services
Comprehensive Group Coverage
Our group policies are designed to meet the diverse needs of your workforce. We offer customizable plans that provide essential coverage for health, life, and disability insurance, ensuring that your employees feel secure and valued. By choosing Hoyer Insurance, businesses receive the advantage of bulk pricing while maintaining flexibility in their benefits offerings.
Expert Guidance and Support
Navigating the complexities of group insurance can be daunting. That's where our team at Hoyer Insurance steps in. We offer expert guidance tailored to your unique business needs, ensuring you choose the right policies for your employees. Plus, our ongoing support means you have a partner every step of the way, from enrollment to claims assistance.
Impact Health Sharing
And HELLO to affordable, high-quality care that prioritizes your well-being and empowers you to take control of your health-care journey.
Impact Health Sharing is changing the way we think about healthcare through the modern approach of healthcare sharing. Impact Health Sharing was founded with the goal to have health care become obtainable for those in need. Impact Health Sharing was made with the direct selling IBOs, dream chasers, and solopreneurs in mind.
Frequently Asked Questions
Find the answers here and get reassurance about Group Coverage insurance.
1. What is Health Insurance and why do I need it?
Health insurance is a policy that helps cover medical expenses, including doctor visits, hospital stays, prescription drugs, and preventive care. It protects you from high healthcare costs and ensures you have access to quality medical services when needed. Without health insurance, even routine medical care can become expensive, making it essential for financial and physical well-being.
2. What does Health Insurance typically cover?
Most health insurance plans cover a range of medical services, including:
- Preventive care (annual check-ups, vaccinations, screenings)
- Doctor visits (primary care and specialists)
- Emergency room visits and hospitalization
- Prescription medications
- Mental health services
- Maternity and newborn care Rehabilitation and therapy
Coverage varies by plan, so it's important to review your policy to understand specific benefits.
3. What factors affect the cost of Health Insurance?
Several factors influence the cost of your health insurance premiums, including:
- Type of plan and coverage level (individual, family, employer-sponsored, etc.)
- Your age and health condition
- Location (healthcare costs vary by region)
- Deductibles, copayments, and out-of-pocket limits
- Lifestyle factors (e.g., smoking may increase costs)
Choosing a plan with the right balance of coverage and cost is key to finding the best option for your needs.
4. Can I keep my Health Insurance if I change jobs?
If you change jobs, your employer-sponsored health insurance may end, but you have several options:
- COBRA coverage (if eligible, you can continue your current plan temporarily but must pay full premiums).
- Marketplace or private health plans (you can enroll in a new plan through healthcare marketplaces).
- New employer's health plan (if your new job offers health benefits, you may transition to that plan).
It’s important to plan ahead to avoid gaps in coverage.
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