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Apply Online for Individual Health Insurance
Times are changing. Health insurance is changing. Gone are the days where employer provided health insurance was the only way to get health insurance coverage. Today, hard working individuals need to make financial changes in their homes. One way to do this is to purchase your own individual policy. It’s a way for you, as the consumer, to customize a plan to suit your individual health insurance needs.
To contact an individual health insurance agent to answer your questions about individual health insurance coverage, click here.
Individual Health insurance plans are great for those individuals who are self employed, are between jobs, do not qualify for an employer sponsored health insurance policy, are in their waiting period, or just need additional options to save some money.
Some individual health insurance plans may cost less than even group insurance plans.
There are a variety of affordable health insurance plans that can be tailored to fit your needs, and your budget. Click here for an individual health insurance quote.
To contact an individual health insurance agent to assist you choosing the right individual health insurance plan for you, click here.
Understanding terms: Individual Health Insurance
Premium: The monthly fee for an individual health insurance plan
Copay: A payment made by the insured person at the time a medical service is performed. Copayments typically go toward the out of pocket maximum of the individual health insurance plan.
Deductible: The amount the insured individual must pay out of his/her pocket before the insurer (the health insurance company) pays for any expenses. Most individual health insurance plans have a varying range of deductible options.
Coinsurance: The percentage the insured individual must pay for medical care after the deductible. This cost is split with the insurer (the health insurance company).
Out of Pocket maximums: This is the highest amount the insured individual would be required to pay annually for medical coverage.
Prescription Copay’s: A payment that must be made for a prescription drug. Typically, prescription copay’s are a fraction of the actual cost of the prescription drug.