How to Choose a
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Protecting What's Important
Most of us can't afford not to have health insurance. The cost of even a brief hospital stay can be devastating - more than $20,000 for an averagelength (4.4 days) hospital stay - and that doesn't count fees charged by surgeons or other doctors, or follow-up care. Without health coverage, a single hospitalization can devastate your financial well-being.

Freedom to Choose
You're not like everybody else and we don't try to squeeze you into a one-size-fits-all health coverage solution. With The Lynn Company, you can use any doctor you want (and pay less with network providers), or you can accept more limited choices in exchange for greater coverage. You can choose how you want to pay your premiums. You can even mix and match plans to meet individual family members' needs.

Balancing Your Needs
Naturally, what you want to do is find the best value at a price you can afford, taking into consideration any special requirements.
Price - What are the monthly premiums for each plan? What can you afford?
Features - What health care services does each program cover?
Cost-sharing - What would be your share of the cost for these services?
Access - Is it important to you to see any doctor you want or are you willing to trade that flexibility for some other benefit?

Lower/Medium/Higher Pricing
In general, the more of the risk you are willing to accept (below the annual out-of-pocket maximum of $3,000 to $5,000), the less you pay in monthly premiums. On the other hand, the higher the monthly premium you pay, the more favorable the features.

That can mean a number of things. It can mean more services are covered. It can mean that the plan pays a larger portion of the cost for covered services. It can mean that features such as deductibles and out-of-pocket maximums are more favorable to you.

Just as you do with any purchase, you need to decide what's most important to you. To make it easier, we've divided the available plans into three relative price categories lower, medium and higher.

The Lynn Company offers a broad scope of health coverage through
Blue Cross and Blue Shield