Individual Medical Health Insurance « Health Insurance Advisory

Individual Medical Health Insurance

Although most Americans are covered under employer sponsored group health insurance, more people today are seeking an individual medical health insurance plan. This is attributable to many factors, including employers reducing expenses to persevere during a tough economy. Some companies have dropped their group health insurance altogether leaving employees to secure their own coverage. Other employers have raised deductibles and copayments and/ or increased employees’ share of the health plan premium, especially for dependent coverage. This has resulted in the cost of employer sponsored medical insurance reaching unaffordable levels for some workers. In the worst case situation, companies have laid off staff to survive.

Whatever your particular situation, we can help. This site is dedicated to assisting Americans secure individual medical health insurance, regardless of  health status and understanding how the new healthcare law, called the Affordable Care Act, helps them.

We can help you research and identify your health insurance choices. There are likely options for medical insurance that you may never thought existed. Our online health insurance quotes make it easy for you to shop and compare individual medical health insurance plans from top insurance carriers in your state. You will find a wide variety of medical plans, such as PPO, HMO, Indemnity plans and High Deductible Health Plans with Health Saving Accounts (HSAs). Since health plan premiums are regulated you will pay the same rate, regardless of where you purchase the individual medical insurance plan.

Currently, adults (age 19 and older) applying for individual medical health insurance are medically underwritten in most states. This means the health insurance company will ask for your complete health history. If you qualify, your medical plan premium and whether the policy covers your pre existing conditions are contingent upon your health status. Today, roughly 9% to 15% of applicants are declined because of pre existing medical conditions.

Fortunately, the new healthcare law created the Pre Existing Conditions Insurance Plan. This government program is designed to give individuals access to affordable medical insurance if they are unable to qualify for an individual medical health insurance plan. This program is an excellent health insurance choice for people who meet the eligibility requirements.

Contact us today for more information.

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If you need dental insurance or are paying to much for an individual dental insurance plan, we can also help you obtain inexpensive dental insurance. It provides added protection against the cost of preventive, basic and major dental care, and helps maintain the overall health and wellness of your family.

If you just experienced a life changing event and need short term medical insurance for a temporary period of time, then we can help you too!

If you are planning a trip for work, vacation, or school outside the country, make sure to purchase overseas travel medical. This short duration health insurance expires at the end of your trip and is very inexpensive. It provides protection that your regular health plan does not.

For visiting our site, we want to thank you with a free health discount plan. Download your ID card today. The health discount plan provides savings on prescription drugs, dental care, vision exams and corrective wear at major chains and local retailers in your area. Everyone qualifies. No personal information required. Get yours today!

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