Individual Health Insurance
Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
Health coverage helps protect your health and shields you from severe financial loss. With the current high costs of medical exams, treatment and prescription drugs, health coverage cost protection has become essential to our well being.
Before you choose a doctor, be sure to check Provider Finder to determine which doctors in your area are Participating Providers. Ask us for a Provider Directory before you sign an application for coverage.
A doctor, health professional, hospital or medical facility you go to for health care services.
- In-Network Provider/Participating Provider
A doctor, hospital or other provider who has a contract with the Insurance Company to provide health care at negotiated fees.
- Out-of-Network Provider/Nonparticipating Provider
A doctor, hospital or other provider that is not contracted with the Insurance Company to provide health care at negotiated fees; you pay more for health services received from these providers.
Choice: which insurance plan for me?
Choosing a quality health plan is important, and it's also important to choose a health insurance company you can rely on. We represent time-tested companies - only the best for cost, customer service and claims. Our plans from American Medical Security, Aetna, Blue Cross Blue Shield, UniCare, Assurant, and American Community, allow us to offer both competitive rates and versatility to fit your needs.
Our staff is trained to ask the right questions - of insurance companies and customers. But that is just the beginning.