WHO ARE YOU
OHA is here to help you navigate the world of insurance, whether you’re an individual, a family, a small group, or a business. Discover vision, dental, medical, and life insurance options tailored to your needs. Simply choose the option below that fits you, fill out a quick form, and schedule your free consultation—no cost, no commitment, just expert guidance made simple.
{SELECT AN OPTION OR SCROLL}
HERE AT OSBORNE HEALTH, WE HELP YOU BY LISTENING FIRST. THE LICENSES WE HOLD GIVE US ACCESS TO ALL OF YOUR AVAILABLE OPTIONS, WHICH ALLOWS US TO PUT YOU FIRST. UNLIKE OTHER AGENTS OUT THERE, ACCESS TO EVERYTHING GIVES US THE ABILITY TO CREATE A SPECIFIC POLICY FOR YOU, FOR YOUR NEEDS, FOR YOUR BUDGE.
MEET
CODY OSBORNE
Taking his love for people and his earned life lessons with him to the health insurance industry, Cody now spends his days listening to people from all over the country across all age groups in every scenario imaginable and then putting them in the best plan possible for each unique situation & budget.
Outside of the office, Cody and his beautiful wife Alyssa have two amazing daughters Athena and Aurora (who they just welcomed to the Osborne team!).
In addition to cheering on the Cardinals during the baseball season, he is an avid collector of rare vinyl records (we think he’s the one keeping the industry afloat!) and spending time with his family.
WHAT IS MY NETWORK
Some of the most frequently seen plan / network types and what that means for you are:
Preferred Provider Organization (PPO)
Preferred Provider Organization (PPO) – a health plan that contracts with medical providers to create a network of participating providers. You will pay less for providers belonging to the plan’s network or you can use providers outside of the network, potentially for an additional cost.
Health Maintenance Organization (HMO)
Health Maintenance Organization (HMO) – a health plan that typically limits coverage to care from providers who contract with the HMO. This type of plan typically requires you to live or work in its service area and often provide integrated care, focusing on prevention & wellness.
Exclusive Provider Organization (EPO)
Exclusive Provider Organization (EPO) – a managed care plan were services are covered only if you go to providers in the plan’s network, with exceptions for emergency care.
Point of Service (POS)
Point of Service (POS) – a health plan in which you pay less if you use providers belonging on the plan’s network, but also typically still cover services from providers out of network.
When Do I Pay?
Who pays what & when is one of the fundamental parts of a health insurance plan and also happens to be the most confusing. The following terms define payment responsibilities and timelines:
Deductible
Deductible – for claims from $0 to your deductible, you are responsible for paying 100% of any amounts owed.
Co-Insurance
Co-Insurance – for claims from your deductible to your out of pocket maximum, you & the insurance share the cost based on your plan’s coinsurance percentages. For example, on an 80/20 plan during the co-insurance period you would pay 20% of any amounts owed and the insurance company pays the other 80%.
Out of Pocket Maximum (OOPM)
Out of Pocket Maximum (OOPM) – for claims from your OOPM to the plan’s limitation (most plans are unlimited), the insurance company is responsible for paying 100% of any amounts owed.
Take care of your body.
It’s the only place you have to live.
LICENSED STATES
Send a message
Get in touch
We’d love to hear from you.
Here at Osborne Health, we help you by listening first. The licenses we hold give us access to all of your available options, which allows us to put you first.