Health Insurance for Individuals
Compare individual health insurance quotes from multiple carriers to save time and money. Take advantage of the online resources provided here to evaluate the individual health insurance plans available, and make a more informed decision about the one that's right for you. Once you have compared coverages and rates side-by-side, you can conveniently purchase your health plan online...but remember you are never under any obligation. Utilize HealthInsuranceSort.com to compare multiple individual health insurance quotes and coverages quickly.
Finding affordable individual health insurance is not as easy as it was years ago. There is no one "best" plan, but there are some individual health insurance plans that will be better than others for you and your family's healthcare needs and preferences. Your preferences will determine not only which health plan is best for you, but also what type of health coverage (ex. PPO, HMO, Health Savings Account, or indemnity plan) will make you feel the most comfortable.
Many insurance companies offer health insurance plans to individuals. However, if you're over 50 years old, there can be problems:
• It might be harder to find a company that will sell you a health insurance policy, especially if you have a serious medical problem.
• You might have to get a medical exam to prove you are insurable, meaning you don't have a serious medical problem.
• Individual insurance usually costs more than group insurance.
• You might get fewer benefits than with group insurance.
Individual Medical Coverage:
At State Farm, we know it's important to address all the insurance needs of our customers. Through a marketing relationship with Assurant Health, your State Farm agent is able to offer you health insurance products from Time Insurance Company.
• Individual Medical Insurance Coverage
• High Deductible Health Plans (can be used with a Health Savings Account)
• Short Term Medical Coverage
• Student Select Coverage
With combined company traditions of more than 175 years, State Farm and Assurant Health blend experience and expertise into a unique alliance. This alliance helps State Farm agents achieve their mission of helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams.
To learn more about the Assurant Health products your State Farm agent can offer you, please visit Assurant Health.
Assurant Health products are underwritten and issued by Time Insurance Company, Milwaukee, WI which is financially responsible for these products. Assurant, Assurant Health, and Time Insurance Company are not affiliates of State Farm.
Compare Plans:
It's important to shop around and compare health insurance policies and plans. A first step could be to decide how much you can afford to pay. Then, you can look for health insurance that will give you the best health coverage for you and your family at that price.
• The answers to the following questions can help you compare both the cost and the benefits of the plans you are considering:How much of my doctor and hospital bills will this health insurance plan pay for
• How much will I have to pay each month (premium) for this plan
• How much will I have to pay (deductible) before the plan begins to pay
• How much will I have to pay for office visits to the doctor
• Does this plan pay for preventive health care This includes routine medical checkups and shots, such as a flu shot, to prevent disease.
• Does this plan have rules for people who already have serious, chronic medical problems Will these rules keep me from getting the care I need If so, for how long
• What services are covered by this health insurance Will it pay for care at a hospital emergency room or urgent care center Does it cover routine surgery, hospital stays, doctor visits, nursing home stays, home health care, and medical equipment and supplies
• Does this plan cover visits to the eye doctor and the dentist
• Does this plan cover prescription drugs
• Does this plan pay for catastrophic medical costs, costs that are so high it would take most of my money to pay for them Is there a limit to how much I must pay each year
• Is there a yearly or lifetime limit to how much the plan will pay for medical costs
Individual Health Insurance Brokers:
If you are having a hard time deciding which insurance plan is best for you, some people talk to a health insurance broker. An independent broker sells many different kinds of health insurance.
Other brokers sell plans from just one company, so it's best to talk to a few such brokers before choosing one. Be sure you understand how the broker is paid - whether you pay or the insurance company pays the broker a commission. That may affect the plan that the broker recommends. If you decide to use a broker, make sure the broker will work in your best interest, and remember that sometimes this costs more and not all insurance products are available through a broker.
Update on Individual Health Insurance:
This report provides information about the individual health insurance market using data from the largest vendor of this type of insurance, eHealthInsurance. The report includes who is buying individual insurance, what they are actually paying for the insurance, and buying patterns. It is the first in an up-coming series of reports jointly produced by the Kaiser Family Foundation and eHealthInsurance to provide trend information in such areas of interest as premiums and cost sharing, and data on other topics such as Health Savings Accounts and small business health insurance trends.
Managed Care Plans:
Many people get health insurance through a managed care plan, such as a health maintenance organization (HMO) or preferred provider organization (PPO.)
• In managed care plans, health insurance companies contract with doctors and hospitals to provide health care to its members. These doctors and hospitals make up the plan's network.
• In managed care plans, you may only be able to see the doctors and hospitals that are part of the plan's network. Some plans, like PPOs, allow you to use doctors and hospitals outside the plan network, but you usually pay more.
• In HMOs, your visits to the doctor are pre-paid by the plan. You only pay a small copayment, for example, $10 to $20, each time you visit the doctor.
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