Health Insurance Designed Around Your Life

Your health is your most valuable asset. At F&T Insurance Agency, we provide more than just coverage; we offer a gateway to top-tier medical care, ensuring that you and your family are protected in every season of life.

Your Health, Our Priority

Navigating the Path to Better Care

The world of health insurance can be complex and overwhelming. We simplify the process by helping you choose between local and national networks that fit your lifestyle. From routine check-ups to unexpected emergencies, our plans are built to provide reliable protection and reduce out-of-pocket costs, giving you the freedom to focus on what matters: your recovery and wellness.

Comprehensive Family Plans

Protect your household with flexible plans that cover preventive care, specialist visits, and prescriptions. We help you find the balance between affordable premiums and the comprehensive coverage your family deserves.

Access to Trusted Providers

We partner with leading healthcare networks across the region, ensuring you have access to the best doctors, hospitals, and medical facilities without the stress of out-of-network complications.

A Proactive Approach

Great health insurance isn't just for when you're sick. Our plans emphasize preventive services, screenings, and wellness programs designed to keep you healthy and catch potential issues before they become serious.

FAQ

Generally, an HMO (Health Maintenance Organization) requires you to stay within a specific network and get referrals for specialists. A PPO (Preferred Provider Organization) offers more flexibility to see any doctor, including out-of-network providers, usually without a referral, though at a higher cost.

Open Enrollment typically happens once a year (often in late autumn). However, you may qualify for a "Special Enrollment Period" if you experience a major life event, such as getting married, having a baby, or losing other health coverage.

Yes, most of our health plans include a comprehensive prescription drug formulary. We can help you review specific plans to ensure your current medications are covered at the lowest possible tier of cost.

A deductible is the amount you pay for services before your insurance starts to pay. The out-of-pocket maximum is the absolute most you will pay in a year; once you hit that limit, the insurance company pays 100% of covered services.

In many cases, yes. We can perform a "provider search" before you sign up to verify which insurance carriers your doctor currently accepts, ensuring a seamless transition of care.

Health is Wealth - Get the Coverage You Deserve

Don’t wait for a medical emergency to think about your health insurance. Let’s find a plan that fits your budget and provides the peace of mind that comes with knowing you’re covered.

Contact

515 Elmwood Ave, Providence,
RI, United States, Rhode Island

Telephone: +1 401-781-8680
Monday- Friday 9am - 5pm
Fax 401-781-2588

Services

  • Group Insurance
  • Life Insurance
  • Health Insurance
  • Commercial Insurance
  • Auto Insurance
  • Long-Term Care
  • Rentals Insurance
  • And More

Gilbane Insurance Agency

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