If you’re shopping for your own health insurance plan, it’s likely that you’re self-employed, or not covered by your employer. We have many companies that specialize in health insurance for individuals and families like you.

If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy. Compare your options and shop carefully because coverage and costs vary from company to company. Individual plans may not offer benefits as broad as those in-group plans.

Before you buy any health insurance policy, make sure you know what it will pay for…and what it won’t.

Tips when shopping for individual insurance:

• Shop carefully. Policies differ widely in coverage and cost. Contact different insurance companies, or ask your agent to show you policies from several insurers so you can compare them.
• Make sure the policy protects you from large medical costs.
• Read and understand the policy. Make sure it provides the kind of coverage that’s right for you. You don’t want unpleasant surprises when you’re sick or in the hospital.
• Check to see that the policy states: the date that the policy will begin paying (some have a waiting period before coverage begins), and what is covered or excluded from coverage.
• Make sure there is a “free look” clause. Most companies give you at least 10 days to look over your policy after you receive it. If you decide it is not for you, you can return it and have your premium refunded.
• Beware of single disease insurance policies. There are some polices that offer protection for only one disease, such as cancer. If you already have health insurance, your regular plan probably already provides all the coverage you need. Check to see what protection you have before buying any more insurance.

Contact us and we can obtain quotes for you from many highly rated health care insurance providers that will give you the coverage you need and you can afford.

If you would like to obtain instant quotes from one of our Top Rated health Insurance Carriers, click below.

	Blue Cross	Humana