As health care costs rise, you could be among a growing group seeking individual health insurance. Perhaps you're self-employed and have no medical insurance. Or, maybe you already have coverage through your employer, but want lower premiums and/or better options with an individual plan. Whatever your situation, we can help.
As premiums continue to rise and plan benefits decrease, you may find that the employer-sponsored policy for your family health care isn't so attractive anymore. Your Licensed Agent will tell you about affordable health insurance plans that may have a lower cost and/or offer lower deductibles, smaller co-payments and better coverage. So it’s very important first to determine you and your family’s needs, and then get the most affordable health insurance. Our Licensed Agents are here to help you through those steps.
Short term medical insurance can be a smart option for a variety of reasons:
It can be a low-cost alternative to COBRA or state continuation. Short-term coverage protects you from both illness and accidents. Whether you pick up the flu or take a fall, you have coverage to help you seek medical care when you need it.
The Affordable Care Act, also known as Obamacare, provides government subsidies for individuals purchasing health insurance based on their household size and household income. Our agents can help you determine if you qualify, how much you are eligible for, and can walk you through the process of enrolling and receiving your government subsidy.
Want more control over how and where you spend your money on healthcare? Now you can protect your family and pay everyday medical expenses with tax-free money. It's called a Health Savings Account or HSA. With an HSA, you save pre-tax dollars in a special account. Later, when you need the money, simply withdraw some to pay for medical expenses, eyeglasses, braces, alternative/chiropractic care and more. Our Licensed agents will get you started.
Whether the student is you or a family member, having major medical insurance is vital, because on-campus Student Health Clinics are often limited in the range of health care they offer. Plus, health care expenses aren't limited to illnesses, so you should also consider Accident and Emergency Care Insurance.