Individual Health Insurance Companies

Individual health insurance is that health insurance coverage provided to individuals, not to a group of people. The premium for such policies is usually higher than a group health insurance policy. However, not all individuals can apply for group insurance policies, as not everyone qualifies for a group plan. The individual health insurance company caters to the insurance needs of self-employed individuals and professionals.

There are many individual health insurance companies available, both online and offline. It is up to you to decide which individual health insurance company is better for you. Get different health insurance quotes from the different health insurance companies. When applying for your quote, the health insurance company makes you answer a health questionnaire and undergo a medical examination to provide proof of your insurability. The company has the authority to decline your coverage on the basis of your personal habits, health, age, medical history, income or other factors that bear on risk acceptance. There is also a chance of the individual health insurance company issuing you a policy with limitations on coverage.

Upon comparing the different quotes of the different individual health insurance companies, you can choose the company whose rates best meet your needs. Most individual health insurance companies have different options like fee-for-service insurance, association-based health insurance, managed care plans, high-risk pools and open enrollment in managed care plans. They differ in the criteria they follow to issue policies. You then choose the best plan from the best individual health insurance company, according to your needs, health position and budget.

Affordable Health Insurance – Find Your Affordable Health Insurance Company Today

A lot of families can’t afford to pay for a health insurance, to be able to support their loved ones, and help get the best insurance for their family to keep them all healthy. It is sad to hear from my opinion because a person like you and me would never would like to have a family that can’t afford to pay for health insurance.

Whether you are poor, rich, middle class you should always get the same health insurance as any one else, no person should be left out without a health insurance. To be able to connect people to insurance companies is the most important thing in anyone’s life, Everyone always try their best to find an affordable health insurance.

A bunch of “inexperienced” people struggle to find a health insurance company on a daily basis. Sometimes a families child is very sick in the middle of the night and the only way they can get them cure is if they pay $200 to take them to the emergency room to be checked on. I think that should not happen to anyone because if you are all able to find a health insurance company that will work and will help you get care.

Help is always on the way when someone needs help with finding a health insurance company that they can be afforded to be paid by the family, It’s not hard to find the right company for your family. You can have to ability to be able to actually “save” the money with a great and affordable health insurance company.

Assurant Health Insurance Company of Arizona Review

Assurant Health Insurance Company of Arizona is one of the premier medical insurance companies in the state of Arizona. Of course, Assurant of Arizona is not the only choice in the Arizona health insurance market so read on to learn a little more about the different Assurant AZ health insurance plans available and if they make sense for your health insurance needs.

A company that has been growing within the United States, Assurant is given a rating of A- by A.M. Best meaning that they are doing everything they are financially stable and able to pay claims. The company was founded in 1969 and is based in New York; however the health care division of this great company didn’t get founded until 1982; so it’s a relatively new company within the “top dogs” of health insurance. Although it is relatively new to the United States, Assurant has established themselves as a global company that operated in the countries of Canada, United Kingdom, Denmark, Germany, Spain, Italy, Argentina, Brazil and Puerto Rico.

Although Assurant is not as big as some other ones in the state of Arizona, they do offer some great plans that can be of benefit to many people. They offer health care coverage to people that aren’t covered through their employers or other groups and they cover about 1 million people within the United States. It is important however, to shop around before deciding on which Arizona health insurance company to sign up with. Based on their ratings by A.M. Best, Assurant’s underwriting companies (Time Insurance Company and John Alden Life) are one of the top sellers in temporary health insurance and the company was one of the first ones to introduce Health Savings Accounts (HSA’s) into the market.

Within the state of Arizona the company offers 4 plans that are all fairly comprehensive in nature. Below you will find the 4 plans listed with a brief description of each one. The description will not include every piece of information possible about the plan, but it will summarize the most important things about it and the cost for each coverage option.

1. Coremed: One of the best things about this AZ health plan is that it offers you the option of locking in your rate for up to 36 months if you were to enroll and that you will be protected anywhere in the world. You will use the PPO network meaning that you won’t need the need of referrals when it comes to getting a second opinion or going to another doctor. You can also receive what they call a “Healthy Discount” if you maintain good health, which will give you 10% off services.

The beauty of this plan is that you can choose from a variety of deductibles according to your health care need. They offer deductibles from $0 to $10,000 with the highest deductibles having a lower monthly premium because they pay higher out of pocket expenses. Copays for doctor visits in case you have a deductible are $35, while you have to pay $45 if you don’t have a deductible. For prescription medications you will only pay $15, however if you want more than a generic medication you will have to pay $25 plus 50% co-insurance after a $500 deductible (the family deductible is $1,000). Hospitalization cost varies with deductible (it can be $0, $200 or $750) and you will pay a $75 fee for going to the emergency room.

2. Maxplan: When you apply for this plan you can expect a response within 48 hours and you can also lock in your rate up to 36 months depending on the coverage. You will also be covered everywhere in the world, be offered the “Healthy Discount” if you maintain good health and be using the Preferred Provider Organization (PPO) network. The deductibles on this plan range from $0 to $25000 making some of the rates lower than the Coremed plans.

Co-insurance for the services range from 0 to 50% and the out-of-pocket maximum can be $7500 or $10,000 depending on the plan you choose to purchase. Just like the other plan, you only pay $15 for generic medicines and refills, while brand name and specialty medicines have a deductible of $500 for individual and $1,000 for families.

Apart from the deductible you will have to pay a $25 copay plus 20% co-insurance. There is no limit on office visits and if you have a deductible you should expect to pay $25 while no deductible plans should expect to pay $35. The emergency room fee is also $75 and hospitalization is covered after you meet the deductible.

3. OneDeductible: This type of plans is Health Savings Account compatible and is very famous within the state for that same reason. It is chosen by many members because the plan can protect you from large medical bills, provides tax advantages ad keep premiums affordable. This type of plan has an individual deductible plan ranging from $0 to $5,000 and a family deductible from $2,000 to $10,000 accordingly. The prescription coverage, office visits and preventive services are covered with an emergency room fee of $75. Hospitalization is also covered.

4. SaveRight: This is the other side that Assurant offers to Health Savings Account members. The customer will only have three choices of deductibles: $2,200, $3,000 and $5,100 for an individual with the family deductible being two times that. Office visits and prescription medications are covered, however with prescription medications you will have a $2000 out-of-pocket maximum for brand and generic combined. Hospitalizations are also covered and emergency room visits are the same as the other plan ($75).