Relax knowing you have the coverage you need. Let’s work together to find the best health plan for you.
Individual health insurance to protect what matters most.
For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.
If you don’t get healthcare coverage through your employer, or if you’re self-employed, individual health insurance is an absolute must. Don’t panic about the costs; plans can be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.
The four big variables to watch out for are:
- The deductible (how much you pay out-of-pocket before the insurer starts paying).
- Co-payments (the percentage, if any, that you pay toward each medical or hospital bill, with the insurer picking up the rest).
- Any annual limits on the total amount the insurer pays.
- Exactly which medical services, treatment and drugs the policy covers.
Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you.
When offering individual health insurance, insurers have a particular interest in making sure you stay healthy. That means they’ll often pay up to 100 percent of the costs of preventative healthcare, such as checkups, screenings and vaccines.
Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, contact us today.
Stephanie Ricketts
Director of Benefits
Stephanie brings with her 20+ years of experience specializing in Group Health insurance from Florida and Ohio; helping employers and employees understand the complicated topic of Health Insurance and how it works for them.
