Answering: What's exactly is health insurance?
Individual health insurance is a type of coverage you buy
, as opposed to the coverage achieved through a program of the employer or the government. It is estimated that about five per cent of the population buys their own health insurance, now more than 15 million Americans!Who is it for?
This type of health insurance is the most ideal for those who are:
-Employees of a company that does not provide health insurance benefits
In between jobs
-Recently, the unemployed and find COBRA is too expensive
The self-
-New graduates are not covered under the plan from parents
What are the benefits?
The great thing about buying an individual health plan is the variety of plan options to choose from. With the help of an insurance agent licensed health, you know what your needs are and how to find the benefits that can respond. Some benefits to consider: prenatal visits, maternity care, routine medical visits, medications, doctor visits routine, etc. You can also decide what is more profitable for you to pay a higher premium monthly deductible and low or vice versa. If you have recently lost their jobs, an individual is probably less expensive than the premium cost of employer continued high coverage through COBRA.
What are the risks?
The disadvantage is that you pay higher premiums because you are solely responsible for the premium of your diet, rather than being able to share it with other employees, such as employer group coverage. In addition, premiums vary from state to state because of differences in the state of health care stories or use of certain legislative requirements statewide.
In addition, premiums are determined by the expected costs of health care, so that people who are sick, smokers, or more can expect to pay more. Individual health plans are underwritten, which means an insurer may refuse to provide or exclusions / rates-up to your policy if you have preexisting conditions.
OK, now how did you buy it? Buy the perfect health plan for individuals are much easier than you think, and may do better with the help of a licensing agent. Just enter some basic information about yourself on getinsured.com instantly see side by side comparisons of plans in your zip code. Agent's licensees can explain the law of your state and guide you through the entire process of shopping for plans to complete your application and receipt of your policy. This service is totally free, so there is no reason why you should not enjoy.
Answering: What's exactly is health insurance?
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