Health Insurance Plans

We work with over 25 different insurance carriers and will give you competitive options for your Individual, Family or Business insurance needs.

When it comes to health insurance, there are a variety of plans and options. Here is a brief guide to the different types of plans available to you.

Health Maintenance Organizations (HMO)

A Health Maintenance Organization (HMO) is a health care plan that provides managed care. This means the HMO has specific rules that patients and doctors have to follow. When you join an HMO, you are usually required to choose a primary care provider, typically a doctor. Your primary care provider has overall responsibility for helping you stay healthy. In most HMOs, you must receive a referral from your primary care provider if you want to see a specialist. To control costs, HMOs set limits on the range of treatments only if it is provided by doctors and hospitals belonging to the HMO's network.

Preferred Provider Organizations (PPO)

A Preferred Provider Organization (PPO) is similar to an HMO, but it typically offers members greater flexiblity in choosing treatment. With a PPO, you can use any doctor or hospital on a list of preferred providers. If you want to receive treatment elsewhere, the PPO will pay a portion of the cost. PPOs do not require you to choose a primary care provider, and you do not need a referral to see a specialist. Because PPOs have fewer restrictions on treatment than HMOs, they usually have higher premiums.

Point-Of-Service (POS) Plans

Point-Of-Service (POS) plans are similar to HMOs and PPOs. Like an HMO, a POS plan requires you to choose a primary care provider, who will have overall responsiblity for your care. Some plans require a referral from your primary care provider to see a specialist. If you see a specialist in the POS network, you pay no deductible and only a small copayment. A copayment is a small amount you pay each time you obtain treatment. You calso have the option to see a physician outside the network. If you do, there will be a co-share of the expenses. A POS plan has fewer restrictions than an HMO, but it does not provide as much flexibility as a PPO.

Medicare Supplement & Supplemental Insurance Plans

AARP approved plans available.

Medicare Supplement Insurance supplements the coverage provided by Medicare to senior citizens. Medicare requires deductibles and copayment for many types of treatment. Medicare Supplement policies cover most or all of these out-of-pocket expenses.

Supplemental insurance plans provide benefits in addition to those you receive from other plans. For example, a supplemental insurance plan may pay you a certain amount ever day you are hospitalized or disabled. This payment is in addition to coverage you have under health care plans.

Other Insurance Plans Available

Dental Plans

Vision Plans

Health Savings Accounts

Prescription Plans

Disability Income Insurance

Life Insurance

Get Competitive Insurance Quotes

We work with over 25 insurance carriers, so we can get you fast, free quotes for your Individual, Family or Business insurance needs.

We'll work together with you to analyze your needs and help you decide what products and services would be right for you, your family and your business. Please use our Web site as a resource, and do not hesitate to contact us for additional information or to schedule a meeting. Thank you for your interest.


James Joyce is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of DC, MD, and VA. No insurance business may be conducted outside the states referenced.

James Joyce is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 12396 Falkirk Dr, Fairfax, VA, 22033, 703-620-3934. In this regard, this communication is strictly intended for individuals residing in the state of Virginia. No offers may be made or accepted from any resident outside the specific state referenced.

JAMES E. JOYCE & ASSOCIATES is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither JAMES E. JOYCE & ASSOCIATES nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​