Whether you are married, single, have children or are a student, you need some level of health insurance to protect yourself against financial disaster in the event of a serious illness or accident.
Many people with health insurance are covered under a group plan offered by an employer. Others purchase individual policies or have COBRA coverage.
Some of us have no coverage at all. This can be frightening, especially if you or a family member has a chronic condition that requires regular medical care or prescription medications.
While going without health insurance for a period of time may seem like a viable solution, it is quite a risk. The leading cause of personal bankruptcy in the United States is illness and medical bills.
If you have found yourself without health insurance, two main options exist: group health insurance and individual insurance. Our experienced agents are here to help you explore your options.
If you are unable to find group coverage, you can buy an individual policy. Rest assured that our agents are familiar with the policies offered locally along with the benefits and costs of each. It will be our pleasure to help you:
- Determine which benefits are most important to you.
- Compare health insurance options, benefits and costs. Health insurance companies vary in what type of plans they offer, and by shopping around you may be able to save money.
- Know the advantages and disadvantages of HMOs, PPOs and POS plans.
- Select and sign up to qualify for a plan.
