ndividual health insurance
is a good option if you work for a small company that does not
offer health insurance or if you are self-employed. Buying
individual health insurance is not easy because coverage
varies from company to company. You have to consider what
medical services are covered, what benefits are paid, and how
much you must pay in deductibles and co-insurance. Although
there is no one "best" plan, there are some plans that will be
better than others for you and your family's needs.
Please let us contact you:
Just fill out
the form below and
licensed agent will contact you same business day. Thank you.
Using
an agent doesn't
cost you anything.
Buying direct or not doesn't save you any money. So use a
professional help. An agent can save you both time and money
when shopping for health insurance.
Are you
overweight? Pregnant? Currently taking expensive medications?
Most companies worry about these things along with many other
concerns too. Let the agent know these things up front, because
good agents know how to direct you to the right company that
will take your particular problem.
A
pre-existing condition will make finding individual health
coverage more complicated and pricier. So, there is no guarantee
that an insurer will take you on. If you have health problems,
individual plans are medically underwritten and the insurer may
reject your application or attach exclusions to your policy.
Consult with your insurance agent
If you have
a particular physician in mind, that might dictate whether a PPO
or an HMO is right for you, depending on whether he or she
belongs to that insurance company's network. If you want a
comprehensive plan — and don't want a lot of out-of-pocket
expenses — an HMO provides a very cost-effective way to cover
you from womb to tomb. But if you're in your 20s or 30s, have no
children and some extra savings, you can save by buying a policy
that covers only catastrophic illnesses. You'll have to pay out
of pocket for every routine doctor's visit or laboratory test.
Decide how
high a deductible you can afford. The higher the deductible,
the cheaper the policy.
Pay
Premiums Annually.
Although paying premiums annually may seem like a hassle, it is
well worth the effort. You can avoid the service fee and receive
a discount for pre-payment! Ask your agent for availability and
eligibility.
Do you like
to get acupuncture, homeopathy, massage therapy, etc? Make sure
these things are covered.
Understand
your responsibilities under your health plan. Do you need a
referral from your primary care provider for services and
procedures your PCP cannot provide?
Don’t
hesitate to pick up the phone and call the number on your
insurance ID card for assistance in understanding any part of
your policy you don’t understand.
