Individual and Group Health Insurance

If you don't have access to a health plan through your employer, having an individual health insurance policy is essential. We'll assist you in navigating through the complexities of co-pays, coinsurance, and other factors to tailor a policy that suits your lifestyle.

Balancing Premium Costs and Coverage

You might find that plans are more affordable than anticipated if you compare prices, and you will usually have plenty of options when it comes to balancing premium costs and coverage. The four key factors to consider are:

• The deductible (the amount you have to pay before the insurer starts covering costs).
• Co-payments (the percentage you are responsible for paying towards each medical or hospital bill, with the insurer covering the remainder).
• Any annual limits on the total amount the insurer will pay out.
• The specific medical services, treatments, and drugs included in the policy.