INDIVIDUAL HEALTH COVERAGE

There is a vast amount of information available to you on the internet.  Take the time to learn, and then choose the right plan for you.

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People most often obtain their health insurance through the group insurance plan that their employer provides, but there are many situations where this is not a possibility for certain individuals. This is where individual health insurance is most appropriate. Whether you are between jobs, employed by a company that doesn’t offer a health insurance plan, or self-employed, you will want to maintain health coverage in the event that you should become ill or need a medical procedure. Without health insurance there could be serious financial  should a serious condition occur.

Keep in mind the following: The premiums will be higher than a group health insurance policy.
You must provide proof of your health – for those with health conditions or those older consumers, be aware that some insurers may reject your application for individual health insurance.
Options such as health maintenance organizations (HMOs), preferred provider organizations (PPO), point-of-service (POS) plans, and fee-for-service options all exist; choose the plan that offers the best fit for your individual health insurance needs. When shopping remember to review pricing for each plan, the reliability of the company, and whether or not a medical exam is required to be approved for coverage. You will also want to determine the amount of coverage and the deductibles required. Depending on what state you reside in, there may be different regulations regarding individual coverage.