Archive for the ‘Health Insurance’ Category

Individual Health Insurance, is medical coverage that a person purchases on his own, as opposed to health insurance coverage provided by an employer or other organization. Any individual can purchase this health insurance protection for himself, a family, a parent (separate policy) or even dependent children (under 26).

Many Americans have group coverage, often health insurance coverage through their employer. Many are covered through a government program like Medicaid, or Medicare. The rest of the population must opt for private, individual health insurance coverage, in line with their own individual, specific needs and budgetary limitations. This allows them to create a policy that will not only cover specific medical needs, but allows them to control premium payments according to their unique needs and budget.

Individual health insurance coverage can be bought through a licensed health insurance sales person known as an agent, or broker (in most states the term in synonymous) Health insurance agents are available to help answer all of your specific insurance related questions, and can provide you with the specific coverage that meets all of your individual needs. You won’t be charged a fee for using their helpful servicesIt would be best to work with an independent agent. An independent agent works for you and not any specific insurance company, but has access to the best policies and rates from a wide variety of companies. He is paid through whichever company you and he choose to go with, so owes loyalty to no particular insurance carrier.

Health insurance is a bit like gambling between you and your insurance company. The health insurance company bets on taking in more of your monthly in premium payments than it will pay out for your medical costs. You are basically paying monthly just in case any medical need arises.

The extent of your coverage depends on the specifics of you policy. Some policies require co-payments, which basically required you to pay a small amount of money out of pocket for things like doctor visits and perscription payments. Your plan may also have a set deductible , which required you to be responsible for a certain amount annually before the insurance company pays dime one. The coverage and restrictions vary in accordance with your monthly payment, or premium.

You need health insurance. People often do not understand that even a single day in a hospital can destroy your life savings. Medical emergencies are responsible for more bankrupcies in America than any other factor. Call your local health insurance agent and get covered.

Finding Affordable Health Insurance Coverage in South Carolina and Virginia

These days even spending a few days in a hospital can cost more money than your annual mortgage payment.  Obviously you need to have some health insurance coverage in place to protect your family and your assets.

With all the confusion and the choices available to you it’s difficult to know what to look for in an insurance policy.

The first thing you need to do is identify exactly what you want to get out of your health insurance.  Remember, with insurance as in every other aspect of life you get you pay for.  The greater the coverage, the greater the monthly premium.  Decide what it is you need and discuss it with your agent who can point out the virtues or possible failings for each plan, or plan type.

Choosing an independent agent online and taking advantage of the free forms on an agent’s website will enable you to have instant knowledge of your options and potential costs.  These online forms are a very effective way to compare rates and coverage. You can access our instant quote form here in the column on the left .

Whatever you do, do not base your decision on price alone or you may find that the amount of coverage you purchased to be inadequate for your actual needs.  You need to establish a workable balance between costs and coverage.  As an independent agent I  can help with that.

After filling out an online form call me at (843) 297-8162.  Let’s discuss co-pays deductibles, pre-existing conditions and maximum payouts, things you may not have considered.

Knowing your coverage, knowing what to expect can save you a great deal of anxietyand lost assets.