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Major Medical Insurance For Individuals Blue Cross

Types of Health Insurance Coverage

Whether you’re looking for insurance for yourself or your entire family, Blue Cross and Blue Shield of Texas (BCBSTX) offers a variety of family and individual health insurance coverage options.

Family and Individual Health Insurance Plans

We offer a variety of family and individual health insurance plans, also known as major medical or comprehensive coverage. These plans cover a large range of services and meet the following requirements:

  • Usually can be renewed.
  • Last a year or longer.
  • Include the following services, as required under the Affordable Care Act:
    • Maternity, newborn and pediatric care
    • Emergency services, hospitalization and preventive care
    • Laboratory services, prescription drugs and disease management
    • Mental health care and substance abuse treatment
    • Rehabilitative services and devices

You may qualify for help paying for your Individual and Family plan. Learn more.

Dental insurance plans can cover everything from basic care to a wide range of dental services. Dental coverage can be purchased as part of your Blue Cross and Blue Shield of Texas family and individual health insurance plan or as a standalone dental plan. As part of the Affordable Care Act, some Individual and Family plans include dental coverage for children up to age 21.

Medicare is a government program designed to provide health insurance to people age 65 years or older, as well as people under 65 with certain disabilities or illnesses. When you sign up for Medicare through the government, you get Original Medicare Part A (hospital) and B (medical) coverage. But you can also purchase additional insurance through Medicare-approved insurance companies like BCBSTX, to strengthen your health insurance safety net. The additional insurance includes the following parts:

  • Part C — Medicare Advantage Plans are considered all-in-one coverage, and some come with built-in prescription drug coverage.
  • Part D — This part of Medicare includes prescription drug coverage that pays for approved drugs.
  • Medicare Supplement Insurance Plans — These plans may assist with health care costs that aren’t covered by Original Medicare.

Medicaid and Children’s Health Insurance Program (CHIP)

Medicaid and CHIP are types of low or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year. You can apply online and if you qualify for Medicaid or CHIP, the proper government office will contact you.

Please note: If you sign up for Medicaid or CHIP, you will not be able to use the premium tax credit or cost sharing discount. If you have Medicaid coverage now, you’re considered covered under the health care law and don’t have to buy a plan on the Marketplace.

For Medicaid, visit Medicaid.gov .

For CHIP, visit insurekidsnow.gov or call 1-877-543-7669.

Need more information? Meet one-on-one with our experienced community specialists who can help answer your health insurance questions. Find a free event near you .

2018 Individual and Family Plans

Blue Cross and Blue Shield of Illinois (BCBSIL) has been around for 80 years. We stand by our members as one of the most experienced health care coverage companies in the state.

View Plans and Pricing

See what Individual and Family Health Care Plans are available in your area.

Plan Networks

Different health care plans use certain groups of doctors, hospitals and other health care professionals. These are known as networks, and each network provides a full range of covered health care services.

Networks – and member costs – differ from plan to plan. Before you choose a plan, you may want to check if your doctor or hospital is in the network. If you visit a doctor outside of your network, you may have to pay more for your care. In some cases, you may have to pay the full cost.

BlueCare Direct SM

  • Choice of Doctors: A Primary Care Provider (PCP) will coordinate your health care
  • Premium:

Blue FocusCare SM

  • Choice of Doctors: A Primary Care Provider (PCP) will coordinate your health care
  • Premium:

Blue Precision HMO SM

  • Choice of Doctors: A Primary Care Provider (PCP) will coordinate your health care
  • Premium:

Blue Choice Preferred PPO SM

  • Choice of Doctors: A network of doctors and hospitals to choose from.
  • Premium: May have higher monthly premiums than HMO

Plan Levels

We have three levels of health care plans available for 2018 – bronze, silver and gold. All of our plans follow the Affordable Care Act (ACA) rules and give you the same set of essential health benefits, quality and amount of care (but your out-of-pocket costs for the benefits may differ).

Bronze Plans

Lowest premium costs

Higher out-of-pocket costs when you receive care

  • We pay 60%
  • You pay 40%

Silver Plans

Higher premium costs than Bronze plans

Lower out-of-pocket costs than Bronze plans

  • We pay 70%
  • You pay 30%

Gold Plans

Higher premium costs than Silver plans

Lower out-of pocket costs than silver plans

  • We pay 80%
  • You pay 20%

The percentages shown reflect the average total cost for members, including all deductibles, copays and coinsurance. Your actual costs and ratios may vary based on your specific plan and usage.

Our plan brochure can help you get started or learn more about our plans.

Financial Assistance

When shopping for a new health care plan, you may qualify for help with the cost of buying coverage by:

  • Getting low or no-cost coverage through a government program
  • Lowering your monthly premium bill with a premium tax credit (PTC)
  • Qualifying for cost-sharing reductions (CSRs) which are discounts to lower your out-of-pocket costs, like deductibles, copayments, coinsurance and prescription costs

Shopping Assistance

Thank you for looking at coverage options from BCBSIL. We’re here to help you get the 2018 coverage – and information – you need.

Key Coverage Details

Selecting a health care plan with BCBSIL may include some of these key coverage details.

Every one of our health care plans cover these essential health benefit categories:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health disorder services
  • Substance use disorder services
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Preventive and wellness services
  • Chronic disease management
  • Pediatric services

Many long-term illnesses can be prevented or managed when found early. With ACA, most health care plans must cover a range of preventive care services with no in-network, out-of-pocket costs. Services include certain screenings, immunizations, and other types of care, like:

  • Blood pressure, diabetes and cholesterol tests
  • Many cancer tests, such as mammograms and colonoscopies
  • Help to stop smoking, lose weight, fight depression and reduce alcohol abuse

Remember, you may have to pay more for your care if you visit a doctor outside of your network. You can find in-network doctors and hospitals using our online Provider Finder ® tool.

If you’re not having a medical emergency, you have several options for care. Some are available 24 hours a day, seven days a week, like:

  • 24/7 Nurseline – When calling the number on the back of your member ID card, registered nurses will ask about your condition and may recommend where to go for care (if needed).
  • Provider Finder ® – Our online Provider Finder ® tool Opens in new window lets you find in-network doctors and hospitals in your area.
  • Virtual Visits, Powered by MDLIVE – Interact with independently contracted MDLIVE board-certified doctors where – and when – you need it. Learn more about virtual visits.

Not available with some plans. ↵

Internet/Wi-Fi connection is needed for computer access. Data charges may apply. Check your cellular data or internet service provider’s plan for details. Non-emergency medical service in Idaho, Montana and New Mexico is limited to interactive audio/video (video only), along with the ability to prescribe. Non-emergency medical service in Arkansas is limited to interactive audio/video (video only) for initial consultation, along with the ability to prescribe. Behavioral Health service is limited to interactive audio/video (video only), along with the ability to prescribe in all states. Service availability depends on location at the time of consultation.

Virtual Visits, Powered by MDLIVE may not be available on all plans. Virtual Visits are subject to the terms and conditions of your benefit plan, including benefits, limitations, and exclusions. MDLIVE operates subject to state regulations and may not be available in certain states. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.

MDLIVE operates and administers the virtual visit program and is solely responsible for its operations and that of its contracted providers. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission.

Blue Cross ® , Blue Shield ® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. ↵

With prescription drug coverage, you may get help with paying for your medicine. Based on your coverage, you may pay either a fixed dollar amount (copayment) or a percentage (coinsurance) of your prescription drug costs. Your prescription drug coverage includes:

  • A broad pharmacy network
  • Mail order services
  • Access to online tools for managing your prescription drugs
  • A drug list
  • Other pharmacy benefits

Note: Prescription drug coverage varies by plan.

2018 Individual and Family Plans

Blue Cross and Blue Shield of Texas (BCBSTX) has been around for 80 years. We stand by our members as one of the most experienced health care coverage companies in the state.

View Plans and Pricing

See what Individual and Family Health Care Plans are available in your area.

Plan Networks

Different health care plans use certain groups of doctors, hospitals and other health care professionals. These are known as networks, and each network provides a full range of covered health care services.

Networks – and member costs – differ from plan to plan. Before you choose a plan, you may want to check if your doctor or hospital is in the network. If you visit a doctor outside of your network, you may have to pay more for your care. In some cases, you may have to pay the full cost.

Blue Advantage HMO SM

  • Choice of Doctors: With an HMO, you choose a primary care provider (PCP) who will be your main contact for all your health care needs. Whether you are making an appointment for an annual exam or need a referral, your PCP is the person to call.
  • Premium:

Plan Levels

We have three levels of health care plans available for 2018 – bronze, silver and gold. All of our plans follow the Affordable Care Act (ACA) rules and give you the same set of essential health benefits, quality and amount of care (but your out-of-pocket costs for the benefits may differ).

Bronze Plans

Lowest premium costs

Higher out-of-pocket costs when you receive care

  • We pay 60%
  • You pay 40%

Silver Plans

Higher premium costs than Bronze plans

Lower out-of-pocket costs than Bronze plans

  • We pay 70%
  • You pay 30%

Gold Plans

Higher premium costs than Silver plans

Lower out-of pocket costs than silver plans

  • We pay 80%
  • You pay 20%

The percentages shown reflect the average total cost for members, including all deductibles, copays and coinsurance. Your actual costs and ratios may vary based on your specific plan and usage.

Our plan brochure can help you get started or learn more about our plans.

Financial Assistance

When shopping for a new health care plan, you may qualify for help with the cost of buying coverage by:

  • Getting low or no-cost coverage through a government program
  • Lowering your monthly premium bill with a premium tax credit (PTC)
  • Qualifying for cost-sharing reductions (CSRs) which are discounts to lower your out-of-pocket costs, like deductibles, copayments, coinsurance and prescription costs

Shopping Assistance

Thank you for looking at coverage options from BCBSTX. We’re here to help you get the 2018 coverage – and information – you need.

Key Coverage Details

Selecting a health care plan with BCBSTX may include some of these key coverage details.

Every one of our health care plans cover these essential health benefit categories:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health disorder services
  • Substance use disorder services
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Preventive and wellness services
  • Chronic disease management
  • Pediatric services

Many long-term illnesses can be prevented or managed when found early. With ACA, most health care plans must cover a range of preventive care services with no in-network, out-of-pocket costs. Services include certain screenings, immunizations, and other types of care, like:

  • Blood pressure, diabetes and cholesterol tests
  • Many cancer tests, such as mammograms and colonoscopies
  • Help to stop smoking, lose weight, fight depression and reduce alcohol abuse

Remember, you may have to pay more for your care if you visit a doctor outside of your network. You can find in-network doctors and hospitals using our online Provider Finder ® tool.

If you’re not having a medical emergency, you have several options for care. Some are available 24 hours a day, seven days a week, like:

  • 24/7 Nurseline – When calling the number on the back of your member ID card, registered nurses will ask about your condition and may recommend where to go for care (if needed).
  • Provider Finder ® – Our online Provider Finder ® tool Opens in new window lets you find in-network doctors and hospitals in your area.
  • Virtual Visits, Powered by MDLIVE – Interact with independently contracted MDLIVE board-certified doctors where – and when – you need it. Learn more about virtual visits.

Internet/Wi-Fi connection is needed for computer access. Data charges may apply. Check your cellular data or internet service provider’s plan for details. Non-emergency medical service in Idaho, Montana and New Mexico is limited to interactive audio/video (video only), along with the ability to prescribe. Non-emergency medical service in Arkansas is limited to interactive audio/video (video only) for initial consultation, along with the ability to prescribe. Behavioral Health service is limited to interactive audio/video (video only), along with the ability to prescribe in all states. Service availability depends on location at the time of consultation.

Virtual Visits, Powered by MDLIVE may not be available on all plans. Virtual Visits are subject to the terms and conditions of your benefit plan, including benefits, limitations, and exclusions. MDLIVE operates subject to state regulations and may not be available in certain states. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.

MDLIVE operates and administers the virtual visit program and is solely responsible for its operations and that of its contracted providers. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission.

Blue Cross ® , Blue Shield ® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. ↵

With prescription drug coverage, you may get help with paying for your medicine. Based on your coverage, you may pay either a fixed dollar amount (copayment) or a percentage (coinsurance) of your prescription drug costs. Your prescription drug coverage includes:

  • A broad pharmacy network
  • Mail order services
  • Access to online tools for managing your prescription drugs
  • A drug list
  • Other pharmacy benefits

Note: Prescription drug coverage varies by plan.

Health Insurance Exchange Rates

Major medical health insurance plans through the Marketplace are the most affordable type of coverage. As the nation’s premier consumer shopping website for Health Exchange and Senior benefits, we provide free online quotes for individuals, families, persons on COBRA, students, and anyone who is self-employed. Small-business options and non-subsidized plans are also offered at the lowest available prices. Within minutes, view comprehensive, catastrophic, and Medigap options in your area and enroll. You can also review single and multi-person plans that are not affiliated with the government and receive no federal subsidy.

Senior Supplement and Advantage options are also offered by private companies to applicants that are Medicare-eligible, along with Part D prescription drug plans. Supplement contracts are standardized, although Advantage plans can be customized to fit within your budget and cover many out-of-pocket expenses. A “high deductible” Plan F option is a popular low-cost policy. Plans F, G, and N are also often requested since they provide the most coverage. Applicants who have reached age 65 are typically eligible for different benefits than persons under age 65.

Easily, you can compare and use our content to find high-quality Marketplace plans at the lowest available cost before, during and after the Open Enrollment period. Approval is guaranteed without risk of being denied for underwriting reasons. There are no fees to apply for coverage, and you will receive unbiased and expert assistance. Small-business coverage is offered through the SHOP Exchange. Non-Obamacare policies are also offered, although non-compliant plans will not qualify for a federal subsidy.

Both Under And Over Age 65 Plans Available

Seniors that have reached age 65 and are Medicare-eligible, can choose many attractive Medigap and Advantage plans from a wide range of top-rated and reputable companies. Although supplemental benefits are not required, their inexpensive premiums often provide a cost-effective option for reducing out-of-pocket costs. Most persons need to sign up for Parts A and B benefits immediately prior to reaching age 65. Separate drug prescription (Part D or Advantage) benefits are also available.

If you have not yet reached age 65, 2018 options include UnitedHealthcare, Blue Cross Blue Shield, Cigna, Humana, Kaiser, and Aetna offering coverage, and the addition of many local and regional carriers (such as SummaCare and Paramount in Ohio). Wider selections of deductibles, copays and prescription benefits are also available. Preventative expenses continue to be covered at 100%. However, allowed maximum-out-of-pocket costs for private plans have increased to $7,350 per person.

What Is The Cost Of Coverage?

How much is health insurance? We help you find quality low-cost policies for you or any dependent, whether you are working or unemployed. If your status changes, we also help you adjust any existing coverage so you are still receiving the cheapest available rate. Many budget-friendly options allow you to obtain a plan that costs less than $100 per month. For Seniors, many Medicare Advantage plans feature $0 premiums with prescription drug benefits included. We can also customize your quote to show the plans that best fit your health and household income situation.

If you are eligible for a federal subsidy, we calculate the amount and show you how much it reduces your premium. Your federal tax credit is instantly applied so you don’t have to wait for a refund to receive it. It is also possible you will be eligible for Medicare, Medicaid, or CHIP, depending on your age and income. As your household income, and ages and number of persons to be covered changes, your subsidy eligibility can also be impacted. Changes in employment status, can often cause large increases or decreases in federal aid.

During And After Open Enrollment

When Open Enrollment ends, our website shows you the best policies that keep you covered until the next enrollment period. Although there are several pre-approved exceptions (delivering a child, termination from employer, divorce, moving to another area, and child reaching age 26), you can still apply for a medical plan any time of the year. Flexible short-term policies (discussed later) are popular options if you need quick coverage. You can apply and get approved in less than an hour with several carriers.

We realize that researching plans and understanding all of the terms, conditions and exclusions is very difficult. Even if you don’t have current benefits, we make the shopping experience easier so you can secure quality benefits at a great rate. In very little time, you can find and apply for a policy. If you are not yet eligible for Medicare, a group or individual policy can be found. And many companies offer dental and vision options. The financial protection you receive will be appreciated.

When you buy coverage, we simplify the process by doing all of the work for you. Only the most reputable and highest-rated companies are recommended to ensure you’re receiving benefits you can use. Both high deductible, copay, comprehensive, and catastrophic options are researched so you can quickly determine the most appropriate choice. We’ll also teach you about national legislative reform changes and if that impacts you or your family. With every new election comes minor (sometimes major) tweaks and changes.

Seniors

Persons age 65 or over are typically eligible for Medicare. As previously mentioned, you can easily compare Medigap and Medicare Advantage plans from the most reputable carriers on our website. Although federal subsidies do not apply, premiums are generally much lower than private plans for persons under age 65. Open Enrollment (Annual Coordinated Election Period) begins on October 15th and ends on December 7th. This ACEP also allows applicants to switch from traditional Medicare to an Advantage plan, and vice versa.

Part D drug prescription coverage is also offered, although many “Advantage” plans include these benefits. An “Annual Notice Of Change” (ANOC) is generally sent in September to notify covered persons of any changes in benefits, rate, or service that is provided by the policy. Generally, Medigap plans are designed to pay out-of-pocket costs (copays, coinsurance, and deductibles) that Original Medicare many not cover.

Supplementary contracts are standardized, which makes the process of comparing plans much easier. Available options include Plans A, B, C, D, F, G, K, L, M, and N. A separate high-deductible F option is also offered. Part A coinsurance and 365 days of hospital expenses are included on all policies. Prices of plans may vary, depending upon which are of the state you reside.

Health Exchanges

When you purchase health insurance through the Exchange, we’ll help guide you through the process so you are matched with the best option. Instead of choosing from hundreds of plans, there are four main options- Bronze, Silver, Gold and Platinum. Each choice has a different set of out of pocket costs (and premiums). Policies will be available both inside and outside of the Exchanges. However, mostly higher-income earners will benefit from outside contracts that may offer better Network coverage and more affordable pricing.

Low-cost catastrophic plans are also available. However, to qualify for these special policies, applicants must be under age 30, or show the inability to afford other “Metal” plans. Catastrophic policies typically have higher deductibles and are not eligible for the federal subsidy. Thus, if your household income is under 400% of the Federal Poverty Level (FPL), and especially 250%, since you likely qualify for a subsidy, these types of plans may not be appropriate.

Help with enrollment is part of the free service we provide. After reviewing your government subsidy eligibility, we will compare the policies that offer you the lowest out-of-pocket costs for the best rate. If you have pre-existing conditions, we’ll determine which policies best pay for your treatment at an affordable cost.

With our state-of-the-art software combined with live personal support, the best medical coverage is just moments away! Throughout your visit, there are many articles providing you information on hospitalization coverage, short-term policies, ways to reduce your expenses and more. You may also see a variance in rates from one state to another. For example, Ohio health insurance rates will be less than rates from Illinois. This is just a small part of the underwriting process.

If you missed Open Enrollment, as earlier mentioned, there are several policies that can be easily purchased at any time. They can also be canceled with no minimum requirement times for keeping coverage.

How To Use This Quote Website

Our job is to provide the tools that allow you to easily choose the best plan for your specific needs. When you enter your zip code at the top of the page, the quoting process will begin. Very quickly, will be able to view plans side-by-side and pick the monthly premium that you want to pay. Of course, we’ll be available to help explain all of your options and guide you through the application process.

Since insurance rates are fixed by law, we’re able to offer the guaranteed lowest allowable costs. But we believe it is equally important to make sure the company we recommend is offering quality coverage and benefits, that, if needed, you will be able to easily use. Please don’t hesitate to contact us if you have any questions regarding any plan you see. Plan details and rates often change so we regularly update prices and coverages.

Types of Coverage

Catastrophic major medical coverage is the least expensive form of coverage. Commonly known as “High Deductible Health Plans” (HDHPs), these types of policies were created to lower insurance costs by offering a lower monthly premium in exchange for a higher annual deductible. Typically, catastrophic plans cover only major hospital and medical expenses after a deductible is met. Often, to keep the premium low, these deductibles are in the $2,500-$7,5000 range. The most common buyers of catastrophic health plans are persons between the ages of 22-28 and 50-64. However, if you are fairly healthy, at any age, you may want to consider this type of plan.

Here’s how a typical policy works. Assume you owned an Aetna plan with a $5,000 deductible and 20% coinsurance, and you have a $100,000 hospital bill. Once Aetna has payed your deductible, there is a $95,000 balance. Typically, there is a cap on the 20% of that amount that you are responsible for. Assuming it is $3,000, your total bill would be $8,000. Even if the claim is $250,000, $8,000 would be your total responsibility. You can also easily lower your out of pocket amount, by electing a 0% coinsurance or a lower deductible.

Save Money With Higher Deductibles

Comprehensive major medical coverage is the most expensive form of coverage. In addition to the typical catastrophic benefits, additional coverage is often included, such as primary physician and specialist office visits, generic and non-generic prescriptions, preventive services and maternity. Physical therapy, skilled nursing and home care are additional common benefits. However, comprehensive health care often costs twice or three times the premium of traditional catastrophic coverage. Employer-provided major medical benefits are often comprehensive coverage, but premiums are often partially paid as part of a benefit package.

Typically, you can choose either a PPO, EPO, or HMO policy. A Preferred Provider Organization allows you to select from a large Network of providers. This includes primary care physicians, specialists and hospitals close to you. If it is a large insurer, such as Blue Cross, UnitedHealthcare, or Humana, you can choose among thousands of providers across the country. A Health Maintenance Organization tends to be a bit more restrictive, since most of your treatment revolves around one person and a specific area. But sometimes, their premiums are lower and most HMOs feature top-notch benefits. An EPO (Exclusive Provider Organization) will not allow you to receive non-emergency services outside of the network. However, the negotiated discounts can be quite substantial.

Health Savings Accounts (HSAs) are an affordable alternative to traditional insurance. It is a tax-favored savings account that offers a different way for consumers to pay for their insurance. HSAs allow you to pay for current medical expenses and save for future qualified expenses on a tax-free basis. To take advantage of an HSA, you must have a High Deductible Health Plan (HDHP). An HDHP is a catastrophic policy that costs much less than traditional health care.

The money you save can be deposited, and used for qualified expenses. You also completely control the money in your contract and decide which type of investments to use. The IRS approval of HSAs has been unwavering and is not expected to change. However, each year, annual contribution limits, and maximum allowed out-of-pocket expenses often increase.

Whether you choose a catastrophic, comprehensive or HSA plan, we’ll help you find the most affordable option at the lowest allowable rate. We never charge any fees for our service and our always available to discuss the specific insurance plans that are most suitable for you.

View, Compare or Apply For The Most Affordable Plans

Our website uses state-of-the-art technology (and LIVE persons waiting to help you!) that allows you to easily compare different plans from the top US insurers. Your rate is based on the information you provide and only the top-rated companies are shown. We will never use “medical discount plans,” which often contain limited coverage with high enrollment fees. If you just need coverage for a dependent, then this page will help.

You’ll find that most of the companies we recommend are the trusted names that you recognize, such as Blue Cross, Aetna, Humana, Cigna, Coventry, mbetter, Molina, and UnitedHealthOne (formerly UnitedHealthCare). We carefully review all of the major medical insurance available plans from each company, and recommend the plan that fits your particular budget and needs. Unlike many websites that simply provide only quotes, we feel it is important to understand the exact type of coverage you need, so that we can present the most affordable policy options at the best available prices.

Individual, Family or Self-Employed Policies

Individual plans are designed to cover one person. Naturally, premiums can be very inexpensive, especially, if it is a “catastrophic” policy. Rates can greatly vary with different companies, so we will study all of the available options before recommending the plan that best meets your needs. When you purchase private coverage, you have complete control over the type of benefits you want, how long you want to keep the policy in force, and whether you wish to keep it portable.

Personal coverage is also much more flexible than an employer-provided medical plan. Instead of a few choices regarding riders and plan designs, there will be hundreds of different combinations to choose from. If your doctor is not a participating provider of one company, then you can easily choose another. Whether you just left an employer plan or are buying a policy for the first time, we’ll help you find many affordable options.

Family plans provide coverage for two or more persons. Usually, office visit, prescription and preventive benefits are included along with the catastrophic coverages. To keep out-of-pocket expenses down, office visit and prescription copays are often low and not subject to a deductible. Rates are higher than individual plans, but raising the deductible will help keep the rate affordable. Some companies will provide a discount when you bundle more than one person on the same policy.

Self-employed plans feature tax-saving benefits that allow you to pay for many qualified medical expenses on a tax-free basis (HSA). When preparing recommendations for the self-employed, we feel it is important to understand what coverages you have used the most in the past, and then tailoring a major medical health insurance plan that meets your specific needs. Often, the policy is a combination of catastrophic and comprehensive coverages.

Feel free to browse our website for the most up-to-date information on current medical plans, State Exchanges, free quotes and expert advice on how you can save money. Whether you need a Marketplace policy with a subsidy, or you missed Open Enrollment, we do the shopping so you do the saving.

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