Don’t have insurance through an employer? You may need individual health insurance.
Get health insurance with the flexibility of cost and coverage.
If you don’t have health care coverage through your employer, or if you’re self-employed, individual health insurance is essential. Don’t panic about the costs; plans may be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.
What should you consider when choosing a policy?
Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you. The four main variables to consider include the deductible, copayment, annual limits, and the actual coverage offered in your policy.
- Deductibles, the amount you pay before insurance pays.
- Copayments, the percentage that you pay toward medical bills.
- Annual limit, the total amount the insurer pays.
- Medical services, treatment, and drugs the policy covers.
Preventative care is typically taken care of.
When getting individual health insurance, insurance providers typically pay up to 100 percent of the costs of preventative health care, such as checkups, screenings, and vaccines. This is an important aspect to know when selecting a health insurance policy.
Health insurance can be a complicated subject. Contact us to learn more about it and your coverage options.
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