Brian LaBonte Insurance Agency

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Health Insurance is similar to your Auto Insurance, there is a set Deductible for most services while some basic services are covered with a single Co-Pay depending on your plan benefits.

We provide insurance to members of a formal group such as employees of a firm or members of an association. Group insurance is distinguished from individual insurance in which single policies are sold to one person at a time and from social insurance (e.g., unemployment insurance, social security), which is sponsored by the government.

Medicare is a federal health insurance program for people 65 years of age or older. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, coinsurance. Medicare Supplements are a health insurance policy sold by private heath insurance companies to fill the "gaps" in Medicare coverage.