Individual Health Insurance

Health coverage for an individual is relatively easy to plan because there is only one person to consider. For this person, there are two major categories of health insurance available: group and individual.

Which plan is right for me?

An HMO needs to be close to your home or work because it is where you are required to see your primary care physician. It is sometimes slightly less expensive.

PPOs and POSs plans cover wider geographic areas. PPO's and POS's Plans encourage you to see doctors within their networks. You have the freedom to seek care from out-of-network physicians.

A PPO and POS is more expensive than an HMO, but you might want their flexibility. WE will help you decide which plan is right for you !

How can I lower my insurance expenses?

There is one single item which creates the most variation in the cost of a policy and that is the deductible. The amount of the deductible can be changed where the higher the deductible, the lower the premium and vice versa. Other coverages affect the cost of the premium also. Options added to some plans will, of course, raise the premiums.