Health Insurance
An individual or family
health insurance plan covers one person, or a family, on one plan.
While an individual or family health insurance policy may cost more
than a group policy it is better than not having health insurance coverage
at all. An unexpected illness or serious injury can ruin a family financially
if they do not have some basic coverage. Most insurance companies offer
the same types of managed healthcare plans to individuals that are
offered to groups: HMO's (Healthcare Maintenance Organizations), PPO's
(Preferred Provider Organizations) and POS's (Point of Service Plan),
and generally offer different levels of deductible to keep premiums
within budget. Each person or family must determine what coverage,
premium, deductible and out of pocket expense will best suit their
needs and their family budget. Unlike group insurance that is available
to an entire assemblage of people, no matter what their health status,
almost all insurance companies require extensive questioning about
medical history and sometimes a physical exam in order to qualify for
individual insurance.
We are here to assist
you in finding a plan that protects your family while staying within
your budget. Please contact us today to help evaluate your health insurance
options.
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