TYPES OF PLANS
Individual Health Insurance – also called private health insurance, this type of coverage is ideal for self-employed and unemployed. There are PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) options, premium and deductable selections. To help you decide what will work best with your personal situation, please call our agents to discuss your options. Please note that if you have chronic health problems, you may be denied from the insurance company. Some of these conditions are most types of cancer, heart or blood vessel conditions, insulin dependent diabetes, and renal disease.
Family Health Insurance – similar to an individual plan but covers your entire family. The coverage you need will depend on your individualized needs and to determine the best coverage, please contact one of our agents. When adding family members to your plan, the chances of denial and a price increase will generally be greater than individual insurance.
Group Health Insurance Plans - Most Americans receive their health coverage through some type of group health insurance. The advantage here is the power to negotiate with insurance companies for custom health insurance plans and guarantees coverage for ALL employees.
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