Choosing Individual Health Insurance

Here are a few basics to keep in mind:

First of all, just having health insurance gives you a discounted price as long as you use a doctor or facility that the Insurance Company has pre-negotiated rates with.  This is called, "In Network".

The Deductible is the amount that you will pay for out of your pocket before your insurance company starts to pay a percentage of the bill.  Typically, you will have some choices as to what percentage of your bill the insurance company will pay for after you have paid your deductible.  The higher the percentage that the insurance company pays for and/or the lower your deductible, the higher your monthly premium will be.

The Out Of Pocket (usually abbreviated as OOP) is the maximum amount that you will have to pay during the year.  After you have paid that amount, typically your insurance company will pay covered expenses at 100%.

These are just a few of the basics that will help you to decide on the right plan.


Short Term Health Insurance

Perhaps you are in between jobs or for some other reason, you need some short term health insurance.  Maybe you are looking for an accident policy or some other supplemental health insurance.  Just click on the link to get a quote or apply:

Dental Insurance

Are you looking for individual dental or vision insurance?  Ameritas is a great choice offering immediate benefits at a low monthly premium.  If you would like to apply or just get a quote, click on the following link: