Individual Health Insurance    

Affordable plans

Health Insurance Companies offer a wide choice of plans designed to deliver the benefits you want at an appealing price.  If you are self-employed, you may be able to deduct a percentage of your health care premiums from your total taxable income for federal taxes-making coverage even more affordable.

Freedom to choose your health care providers

With individual health insurance you are in charge of your health care choices.  You choose your doctor, the health plan that best suits your lifestyle and budget, and even your premium payment option.  You decide the amount of your health costs to assume, understanding that the more you assume, the less you'll pay in premiums.

Access to quality care at discounted fees

When you choose providers (independent hospitals, physician, and other medical specialists) from the Carriers network, costs to you are reduced in two ways:

• These providers accept a specially negotiated (discount) rate.
• Carriers pay a higher percentage of those rates than it does for out-of-network providers.

You will usually pay more for the services of out-of-network, nonparticipating providers.

  Individual coverage options can be broken down into several catagories:

• Traditional Health Plans
• Consumer Choice (or Mandate Lite) Plans
• High Deductible Health Plans (HDHP's) that allow you to open a Health Savings Account (HSA)
• Discount only plans  (not real insurance and you do not have to have a license to sell - we only offer real insurance)

Traditional Health Plans

With traditional health plans you have coverage which typically includes the following benefits:

• Copay office visits
• Well Care allowance
• Prescription drug benefits
• Access to additional services at negotiated (discounted) rates
• Once your deductible is met, your benefits commence at the stated contribution rate.
• Once your maximum out of pocket expense is met, then 100 percent of the eligible charges are covered. 

Consumer Choice Health Plans

These plans were released several years ago in an attempt to make health care more affordable, and legislation was passed that allowed carriers to remove some coverage features that were formerly mandated. Prior to "Consumer Choice" legislation, if you offered a health plan it had to be all inclusive. Now carriers can limit or exclude coverage in an attempt to lower the cost. (For instance, we have one carrier who limits mental health benefits and can reduce premiums up to 12 percent)

High Deductible Health Plans (HDHP's)

Commonly referred to as Health Savings Account (HSA) plans. As with all insurance, the higher the deductible the lower the premium. Using this concept, our legislators passed legislation that allows participants of qualified HDHP plans to set up an HSA. The funds deposited in an HSA account are tax advantaged (by reducing your reported gross income - similar to an IRA) to pay medical bills should they arise. These plans are gaining in popularity as the public becomes more educated and individuals take control of their health insurance programs.

Key features of an HSA:

•  The money is your HSA account is your money and rolls over each year.
• The savings in an HSA account can be used for any qualified health care expenses including dental, vision and hearing
• For a family on an HSA plan there is one deductible - all eligible health expenses count towards the one family deductible.