Individual & Family Health Insurance
Individual health insurance plans are usually less expensive than group plans since they are medically underwritten and are not guarantee-issue. Because group plans offered through your employer usually have to cover everyone, including unhealthy people with a lot of medical expenses, the rates are usually higher for everyone to compensate. Since individual health insurance plans are based solely on your health, if you are in good health, the rates may be lower to reflect that.
On most plans, maternity expenses are covered after a $5,000 or $7,500 copay. Many insurance costs, including medical expenses, may be tax deductible. Consult a tax professional for more information.
Have you been denied coverage already but still want some peace of mind?
With a Guaranteed Issue policy, you get a plan without going through underwriting. This plan offers guaranteed coverage for individuals and their spouses ages 18 through 64 and their dependent children up to age 19 (age 25 if attending an accredited school full time) who have been US residents for at least 12 consecutive months. Here is an outline of what you get:
- Your choice of $500, $750, $1,000 or even $1,500 per day coverage for hospital stays
- Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits
- Your choice of $95 or $105 doctor office visit benefits
- $2,000 Accidental Injury Medical Benefit
- $10,000 Accidental Death & Dismemberment plan
- Access to Beech Street PPO Network Savings, Prescription Drug Card, and Vision Discounts.
- $1,000,000 Lifetime Maximum per Covered Person