|
Health Insurance - Any State
Individual Health Insurance
Today’s health insurance environment is an ever changing landscape.
The Internet provides consumers with useful tools that allow them
to research and compare health insurance plans, benefits, and prices in a
side-by-side comparisons. We help you navigate through this process and
put your mind at ease. Our Web site is designed to give you control so
you can get the most out of your insurance premium dollars.
The alphabet soup of health insurance terms which is now a part of our everyday
vocabulary has a tendency to confuse consumers, but that doesn’t
mean consumers should be ill-informed. To clear up any confusion, applicants
should spend a few minutes reviewing our Glossary located in the Consumer
Guides section. Our Web site also provides simple,
easy to understand benefit-and-cost comparisons so you can choose the
affordable and flexible Individual Health Insurance that fits your
budget and lifestyle.
Individual Health Insurance Trends
The Health Insurance Industry has gone through many changes over the
years. Some of the more noted areas of transformation are:
- The formation of a modern health insurance system at the beginning
of the 20th Century.
- The rapid increase of employer-sponsored or group plans in the 1940’s
and 1950’s.
- The emergence of governmental healthcare programs in the 1960’s
and 1970’s.
- The explosion of managed care plans in the 1990’s.
- The rapid increase in healthcare costs in the late 1990’s and
early 2000’s.
Our healthcare system continually adapts to our growing needs. Consumers
have more choices than ever on where to get benefits and how best to customize
their plan. The recent enactment of tax advantaged plans (i.e., HSAs)
has added a new dimension to health insurance. These plans have introduced
a “savings account” concept into health insurance benefits.
Although employer-sponsored health insurance still dominates our landscape,
more often today Individual Health Insurance plans are becoming the consumer’s
first choice.
Individual Health Insurance Plan Options
Typical plan options:
- High Deductible Plans – If having affordable
health insurance is your first priority, then consider a high deductible
plan. Although you will be paying out-of-pocket for inexpensive healthcare
treatments, you will benefit from the reduced charges negotiated between
your health insurance carrier and its network providers. If a catastrophic
health event should happen, you will have peace of mind knowing that
you have coverage in place.
- Co-pay Plans – Co-pay health insurance plans
are popular because they work like many employer-sponsored plans. You
pay a set co-payment for doctor visits and prescriptions. This option
may be a good choice if you use several prescriptions, would prefer to
pay a small out-of-pocket amount when seeing your doctor, or have young
children who frequently visit the doctor.
In the end, you must ask yourself how much your budget will allow and
how much freedom you will need? There is no need to overpay for your Individual
Health Insurance coverage. Put the power of our Web site to your use.
Have a licensed broker provide you with side-by-side plan and benefit
comparisons from health insurance carriers in your area. Providing some
simple information is all you will need to get your free quotes. Although
everyone needs to have health coverage, making it affordable for you and
your family is what we do.
Individual Health Insurance
Who should consider an Individual Health Insurance plan? Anyone
who does not have Health Insurance or individuals who have coverage
but are not satisfied with their existing health plan. Applicants
should be in relatively good health and must be able to budget a sensible
amount towards the plan’s cost. A wide-range of benefit options and
affordable plan premiums are available from leading companies such
as HumanaOne, Blue Cross Blue Shield, United Healthcare, Aetna, Assurant
and Celtic (certain plans may not be available in all areas).
|
|
