

Individual Health Insurance
Although most people find their coverage through group health insurance, there are still some who need an independent and private market policy. Your premium is determined on an individual basis rather than as a group, and commonly you will have to fill out a medical questionnaire. We do carry products that can cover you in most cases, even if you’ve been denied for insurance before!
Quick Glance:
Individual health insurance offers you the ability to shape your coverage to your needs. We can provide you with several highly competitive and affordable rates which meet your needs. When shopping for individual coverage it is important to ask yourself several questions:
- Do you want to keep your doctor?
- What are your expected health needs for you and your family?
- Do you need prescription, vision, or dental coverage?
- What type of co-pay do you want?
While group health coverage will usually be less expensive, individual coverage can be just as cost effective when it is properly chosen with your ideals in mind. We can provide you with a range of products with high and low deductibles, little or no co-payment, and other customizable features. When it comes to selecting an individual health plan it is important to have the proper coverage so you aren’t forced into medical bankruptcy.
You Have Choices
We have a multitude of different options for insuring you which allows us to best match a product to your needs. Whether you desire low premiums or a low co-payment, a high deductible or major medical coverage, we have the perfect solution for you. You tell us what type of coverage you want.
You can choose the aspects of your health insurance coverage that you want. You can customize aspects like your deductible, co-payment, riders, payment method, even the premium in some cases!


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Key Insurance Terms
- Premium: A set fee usually charged monthly, that you pay an insurer for a policy.
- Deductible: The amount of money you will have to pay out of pocket before your insurance begins to reimburse care, although some plans provide some reimbursement before the deductible.
- Co-Pay or Co-Payment: A set fee—such as $10 or $25—that you pay for medication or care.
- Co-Insurance: A set percentage of the total cost that you pay for medication or care.
- Network: A contracted group of doctors, hospitals and care providers who work with your insurance plan at lower rates.
- Out of pocket maximum: An annual limit on the amount of money you have to pay before your insurance covers all remaining costs. This limit does not include plan premiums.


TESTIMONIALS
Feedback from clients

The customer service just can’t be topped. I receive and answer to my questions the next day no matter what. Other agencies got back to me when it was convenient for them.

