Looking for Individual Health Insurance. Our site is designed to help,
we provide Individual Health Insurance information and resources. A site
for an Health Insurance to advertise their services and for consumers to
research an Health Insurance online and pick the right one for their
situation. Our site is brand new and organized by location and
the type of insurance that a Health Insurance company sells.
Please understand that there are more types of Health Insurance than we have listed,
and an Health Insurance may sell more than 1 type of insurance. Because the site
is still new many locations might not have an Health Insurance listed. Please
look below for more Individual Health Insurance information.
|
|
Individual Health Insurance Article Summaries
Health Insurance 101 for Individuals and Families
By: Michael H. Ertel:
The changing healthcare and health insurance landscape in the United States has resulted in more individuals and fami... clause and policy exclusions so that you will not be surprised down the road if a claim is denied. This is important w...
Health Insurance Plans: Individual vs. Family
By: Ron King: For most of us, a primary consideration when choosing a health care plan is the cost. Coverage is important, but with ... as the individual ones. The cost will be higher than the individual managed plan, but not as high as the family indemni...
Aetna Health Insurance For Your Protection!
By: Mike Yeager: Aetna health insurance has long been a highly recognized insurance company. Millions of people have put their trust i... case with all insurance companies. Your health is in good hands with health insurance Aetna.
Mike YeagerPublisher
Student Health Insurance
By: Tony Novak: Students often wonder if they really need health insurance. It seems like a reasonable question when you are young and... are that a young adult will go more than 12 months without any need for health care. Even among those who need health c...
Affordable Health Insurance, an overview
By: Ariful Anam: Affordable Health Insurance, an overview Affordable Health Insurance offers you a wide variety of medical insurance p... we need and what we can afford. Affordable health insurance can be of different types. It can be like affordable indivi...
Featured Article
Cutting Health Insurance Costs
Tony Novak
Surveys of self-employed individuals consistently show that one of their major concerns is the ability to buy affordable health insurance. One in 4 self-employed persons has no health insurance today even tough more than 70% of these people could afford to buy high quality health insurance if they had an effective buying strategy.
1. Have a budget and set realistic expectations. Realize that the purpose of insurance is to cover unexpected and otherwise unmanageable expenses. Most good plans cover "ordinary and necessary medical expenses" but not your health club membership. Look for coverage that provides protection but avoid being drawn in by the marketing sizzle. Do not buy health insurance with the primary intention of picking up the cost of your existing ordinary medical expenses like prescriptions, routine dental care and annual check-ups. Health plans exist for almost every budget. Remember that no one is excluded from receiving medical care for an acute condition because of the type of their health insurance plan, but rather medical treatment may be denied because they don’t have any insurance coverage at all.
2. Realize that there are trade-offs in every health plan. The lowest priced high quality health insurance plans excluded coverage for pre-existing medical conditions and require periodic re-enrollment. It is often better to take the less expensive insurance any pay for small uncovered expenses yourself. But if you need to find “full takeover” coverage, then you cannot expect to be offered the insurer’s lowest rating.
3. Think short term. Most individual health insurance policies for self-employed persons actually stay in force less than a year. Buy the plan that offers you the best deal right now and do not worry about whether it will be available in a year. In 12 months, a whole new generation of health plans will be available. It would not be smart to keep the same plan for more than two years because new plans are evolving rapidly. A plan that you bought more than 2 years old would not likely represent the best value for you today.
4. Use student medical plans and foreign travel plans if you qualify. These plans offer better deals than traditional coverage.
5. Choose a higher deductible. By taking a $1000 deductible, you will save more than $1000 in premium payments over a year's time. This should be an easy decision from a mathematical viewpoint, but still many people buy policies with a low deductible. It makes no financial sense to pay an insurance company $1000 in premiums for medical care that you could buy for $600 cash.
6. Choose indemnity type coverage and avoid HMOs. This lets you and the doctor that you choose maintain control of your own medical care. This saves money in the long run by allowing the best course of treatment from the outset of any medical condition.
7. Use the Internet. Technology now allow for online pricing and enrollment with policies issued within 24 hours. Savings have resulted in lower premium prices. Some plans offer premiums as low as $25 per month for catastrophic coverage for young people.
8. Avoid the scams. Unfortunately, self-employed individuals are a prime target market of numerous health plan marketing scams. State insurance departments continuously shut down disreputable plans, but new ones sprout up just as quickly. Well-established and reputable health plans are obtained from well-established and reputable distributors. Good health plans do not use multi-level marketing schemes. All individuals handling your health plans enrollment should be licensed, bonded and insured. Beware of individuals who claim that they do not need an insurance license in your state or can not provide evidence of errors and omission coverage or a bond issued by an insurance company. Remember the old adage “if it sounds too good to be true…”. This certainly applies when shopping for health insurance.
About the Author
Tony Novak, MBA, MT is a writer and financial adviser in Narberth, PA. His businesses MedSave.com and Freedom Benefits Association provide online benefits enrollment to individuals and businesses in 47 states.
Individual Health Insurance Resources
Check below for additional Individual Health Insurance Links and Information
Insurance - Consumer Guide to Individual Health
INDIVIDUAL. HEALTH INSURANCE. Published by: The Maine Bureau of Insurance. 34 State House Station. Augusta ME 04333. (207) 624-8475. (800) 300-5000. http://maineinsurancereg.org. John Elias Baldacci ... Individual health insurance is available in Maine from Anthem Blue Cross and Blue Shield; MEGA Life ... is not eligible for Medicare can buy an individual health insurance policy ...
Canadian Health Insurance Quotes: Individual; Group; Travel; Dental Plans
Shop for Canadian health insurance. Quotes for individual health insurance; travel insurance; employee benefits; family; foreign student; visitor and immigrant health insurance. ... Individual health insurance: instant quotes from up to 6 leading carriers ... Canada - Small Business Health Insurance Brokerages
Health Insurance Quote - ExtendOne
Get a health insurance quote from ExtendOne. Individual health insurance; affordable health insurance; health savings plans; and more. ... health insurance quote; or learn more about individual health insurance; self-employed health insurance; and health ...
Insurance RX
offers health insurance quotes for individual; family; and small business plans. Health Insurance - Brokerages
Individual Health Insurance
Visit BC Health Insurance to get free online health insurance quotes from competing agents near you! ... Individual Health Insurance. INSURANCE QUOTES. Individual Health Insurance. Group Health Insurance ... RSS: View as XML - Add to My Yahoo!
Roper Individual Health Insurance Services
also offers employee benefits; life; disability; and international medical insurance. Colorado - Englewood - Insurance
Individual Health Insurance Availability Act
Individual Health Insurance Availability Act. Idaho Code; Title 41; Chapter 52; is the Individual Health Insurance Availability Act.
Rules Governing California's Individual Health Insurance Market - Regulatory Oversight - CHCF.org
This issue brief explains how California's health insurance market is structured and regulated and provides a comprehensive review of the limited options for individuals. ... and federal laws that apply to the individual health insurance market in California as of April ...
Checkup on Health Insurance Choices
... To find out about individual health insurance plans; you can call insurance companies; HMOs; and PPOs in your community ...
Individual Health Insurance FAQ
... Here are the frequently asked questions about the reopened individual health insurance market ...
Individual Health Insurance
Oregon Health Insurance-Independent Health Insurance Agents. Portland (503)231-6399 Toll Free (888)426-9544 ... In the state of Oregon; Individual Health Insurance plans must be approved in the underwriting stage of the insurance ...
Insurance Findings
offers information and articles on health insurance and related topics. Users can also get quotes for individual; family; and group plans. Health Insurance - Brokerages
Kaiser Permanente: Thrive - Health Insurance Plans; Healthcare Information; Health Advice
Thrive! Visit Kaiser Permanente online for health care information; advice; and quality insurance coverage. We help promote wellness by combining preventive care; health education; and appropriate treatment. Managed Care Providers - Kaiser Permanente
Rules Governing California's Individual Health Insurance Market - California HealthCare Foundation
... Rules Governing California's Individual Health Insurance Market. Deborah Reidy Kelch ... and federal laws that apply to the individual health insurance market in California as of April ...
CID: Companies with Approved Individual Major Medical Health Insurance Policies*
Companies with Approved Individual Major Medical Health Insurance Policies* Abstract: E:\portal\cid\LAH\appind.htm
Briefing: Update on Individual Health Insurance; August 2004 - Kaiser Family Foundation
... Update on Individual Health Insurance; August 2004 ... a report providing information about the individual health insurance market using data from eHealthInsurance; the ...
|
Homepage
Sitemap
California Individual Health insurance quote
Arizona Individual Health insurance
Individual Health Insurance quote online
Individual Health Insurance maternity
Alabama Individual Health insurance
Florida Individual Health insurance
Add your link
Additional Individual Health Insurance Resources
|
