Skip to content
Click to Call
Sprout Insurance

175A Young Ave
Nettleton, MS 38858

Get Directions
Sprout Insurance Blog

Four terms you need to understand when you buy health insurance

If you want to choose the right health insurance solution for your situation, you need to understand how a health insurance policy works. At Sprout Insurance, we can help you understand your health insurance options in Nettleton, MS. 

You need to understand the following four terms when buying health insurance.  

Open enrollment period

When it comes to buying health insurance, consumers often need to be aware of an open enrollment period. An open enrollment period is a specific period of time when a health insurance plan accepts new enrollees. 

If you want to buy coverage from a provider that specifies an open enrollment period, you will only have a limited period during the year to buy coverage. 


Coinsurance is an additional cost you’ll have to cover after your premium payment to get the necessary health care coverage. Coinsurance is typically a percentage of the total costs for medical care. 


A copay is similar to coinsurance. You’ll need to cover your copay out of pocket. However, a copay is usually a fixed dollar amount rather than a percentage of the cost of service. 

Out-of-pocket maximum

Policyholders may have to cover numerous costs in addition to their monthly premiums. A policy’s out-of-pocket maximum limits how much a policyholder can possibly pay in one year for needed medical care services.

The lower your out-of-pocket maximum, the more affordable your needed healthcare will be after your monthly premiums are covered. 

If you’re in the market for health insurance, call Sprout Insurance to get a quote. We offer insurance coverage to consumers in Nettleton, MS. 

Health Insurance Keeps You Protected

When it comes to health insurance, many residents in Nettleton, MS still aren’t protected by it. Numerous situations, including high cost, play a part in people missing out on being secured. Health insurance is a vital part of our lives, and Sprout Insurance can help with protecting you.

Lowers high medication costs

As expected, medical costs can go through the roof. Whether it’s a checkup or grabbing medication, it can be stressful on the wallet. Fortunately, health insurance helps lower the costs, so you won’t have to spend much. Screening tests and shots are available at no additional cost thanks to health insurance.

Assist with surgery costs

One of the scariest things a person can go through is surgery. Before going under the knife, a million questions can go through someone’s head. One of the biggest questions is "How can I afford this?" Surgeries normally hit thousands of dollars, which can scare people and their loved ones. Through health insurance, however, your next surgery can cost you less. Most insurance plans will cover up to a certain amount.

Available for all ages

One of the biggest misconceptions about health insurance is its overall availability. Many people assume this form of insurance is only available to older folks, but that’s not true at all. Health insurance plans allow kids under the age of 18 to be added to insure their safety. Kids can remain on their parent’s insurance plan until they turn 26. At that point, they’d have to obtain health insurance of their own.

Reach Out To Us

If you’re still trying to discover more about health insurance in the Nettleton, MS area, Sprout Insurance is available for any queries. Contact us for more information today.

Can I Purchase a New Health Insurance Policy If I Am Currently Pregnant?

Sprout Insurance, serving the greater Nettleton, MS area, can help our customers obtain many different types of insurance, including health insurance. One of the questions that we are often asked is whether you can purchase a new health insurance policy if you are currently pregnant. Here is the answer to that question. 

Is Pregnancy Considered a Pre-Existing Health Condition? 

Pregnancy is considered to be a pre-existing health condition. As such, if you are applying for a new health insurance policy and they ask if you have any pre-existing health conditions, you have to disclose the fact that you are pregnant. If you do not disclose this information, the pre-existing health condition, in this case, pregnancy, may not be covered by the new health insurance policy you cover. This can leave you on the hook for a lot of medical expenses, so it is important you disclose this information if asked.  If the policy does not ask about pre-existing health conditions, you do not have to disclose this information. 

Can I Purchase a New Health Insurance Policy If I Am Currently Pregnant?

You can purchase a new health insurance policy if you are currently pregnant. If you are looking to purchase a policy from the health insurance marketplace, pre-existing health conditions cannot prevent you from getting a new policy. Additionally, many private insurers will still cover you even if you are pregnant, though they may charge you a higher rate due to the pre-existing condition. 

Give Us A Call

If you are looking for a new health insurance policy in the greater Nettleton, MS region, Sprout Insurance can help you find the plan that is ideal for you. Call or email us today to learn how to get started.