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Individual health insurance provides insurance coverage for
a sole individual or a family. The main difference between
"individual health insurance" and "group health
insurance" is that group insurance is typically more
comprehensive and less expensive than individual insurance
policies. Nevertheless, insurance carriers offer excellent
and afforadable individual health insurance coverage.
Get a FREE INDIVIDUAL
HEALTH INSURANCE QUOTE
Investing in family / individual health insurance is a wise
option and a much better choice than being uninsured in the
event of serious illness or injury. With today's soaring health
care costs, nobody can afford to be without health insurance
coverage.
Health insurance is simply protection against medical costs.
The cost and range of this protection will depend on your
insurance provider and the particular individual health insurance
policy you purchase.
What
you can expect from your Individual Health Insurance Quote
/ Policy
Most individual health insurance plans are "managed
care" plans, meaning under this type of plan, you may
opt for an HMO, a PPO or a POS plan.
When you apply for an individual health insurance policy,
the carrier will review your application and will evaluate
you from a health standpoint, in terms of how much of a risk
you present to the carrier. Each applicant must complete a
health questionnaire which asks various questions about your
current and past health history. The carrier then will determine
your risk according to the information you provided and they
will generate a premium.
Individual health insurance policies are guranteed renewable,
meaning that your insurer cannot cancel your coverage if you
become ill. If you continue to pay your premium, the insurance
coverage will continue. Even if you become sick, a carrier
cannot target a single individual for a rate increase.
Navigating through the maze of health insurance can be confusing.
If you would like to request a Stepping Stone client service
agent to contact you to discuss your quote or research more
custom quoting options, please fill out the form below and
an agent will be in touch with you within 24 hours.
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