Helpful agents are standing by: (888) 847-9158
Press play below to listen to our audio commercial:

Finding the Best Family and Individual Health Insurance

For most people, the choice of selecting a health insurance plan comes down to the cost. Individual Health Insurance benefits only the individual. Family Health Insurance covers more than one person and is restricted to persons with close relations like children, spouses or parents. It is necessary to find a feasible Insurance Coverage policy especially in this day and age of high costs of everything especially healthcare. When embarking on this quest one must find the right plan that will not put an enormous strain on the budget. Selecting a suitable Insurance Coverage can be compared to selecting a good apple out of a whole barrel at the store. This is because family and Individual Health Insurance packages offer different levels of coverage, fees and Benefits. When selecting an insurance policy one should put in mind what and who; in terms of the number of persons; need to be included in the policy.

If one has no dependants, they may opt for Individual Health Insurance. A conventional Insurance package will cover any visit to a doctor of your choice and will subsequently cover all procedures prescribed thereof. There are two types of Individual Health Insurance, the indemnity plan and the managed plan. The indemnity plan is more expensive in that it offers the individual more freedom of choice as compared to the managed plan. A major difference in Insurance Coverage plans is the amount of the deductible and or including the maximum value set on the out of pocket expenditures. A managed plan on the contrary is a bit more affordable and pocket-friendly, though, they are slightly stringent on some liberties. A good example of this kind of plan is the Health Maintenance Organization or HMO as they are popularly known. HMO is an act that was passed in 1973 that ensured that all employers with 25 or more employees must have federally certified health care options. In this case, one is restricted to doctors and specialists in your Insurance Coverage list. Any specific doctor one may want to visit outside the list can only be seen by referral.

When it comes to Family Health Insurance, costs will be higher since the coverage plan is for more than one person. In this case, the size ones family directly affects the cost. The age and gender of the family members under the Family Health Insurance plan will also affect the cost of policy payments required. The health choices of each family member will also come into question in this case. A family member who smokes will have a different policy payment as compared to one who doesn’t. Just like individual insurance, families also have indemnity and managed plans. They are the same and the difference only comes in the number of people under it.

For those who do not have any form of insurance plan in place, we advise you to enter your Zip in the top of this page and see the variety of health insurance packages that are available in the market.