Employer Group medical insurance premiums are very , very high. They continue to rise each year by double-digits and employees who need less insurance are seeking new ways to reduce their premium costs while maintaining quality insurance.

Individual medical insurance provides a reasonable solution for many people seeking health insurance. It is not the solution for everyone—but for many, individual medical insurance is the solution they’ve been seeking.

Individual Medical Insurance offers these benefits:

• Pricing based on your age rather than a group of people
• A variety of deductibles and cost-sharing options
• Various networks of physicians and hospitals
• Wellness care
• Security without outrageous premiums

Why doesn’t everyone have Individual Medical Insurance?

• No guarantee-issue. That means the insurance carrier can decline to offer someone coverage because they have a high claims risk
• Maternity is NOT COVERED under individual medical plans.

We recommend three different Individual Medical Insurance carriers. They offer a variety of plans, provider networks and flexibility. They have proven themselves over years of service to be quality organizations.

They are:

Anthem Blue Cross and Blue Shield

Humana

Golden Rule (A United Healthcare company)

If you will click on any of these you will be directed to their quote sites where you can follow the directions and see the various benefit levels and pricing arrangements. Feel free to contact our staff for assistance in reviewing these plans—we look forward to serving you!