Health Insurance
Health Insurance is a form of coverage that pay for medical expenses. There are several different ways of obtaining this coverage, and even more types of policies. It can be purchased through a business on a group basis, or as an individual or family. In either case, the covered person (or insured) pays a premium to an insurance company (insurer) to protect themselves against high or unexpected healthcare expenses.
Because there are so many plans offered from many different companies it can be difficult to decide which coverage is best for you. This is where we can help. We are independent agents, representing all insurance companies, which allows us to find the best policy, at the best price for you. Let us do the shopping for you. Call today for a free quote, or click here to get an instant free quote online!
Types of Health Insurance
- Individual- Individual health insurance is a type of coverage that will provide protection to the policyholder and/ or family. The term "individual" refers to the fact that the coverage is not received through an employer. It does not reflect the number of people on the policy. Individual insurance is generally cheaper than group insurance, but it must be applied for and underwritten. This means it is not guaranteed. For more information click here.
For a FREE, instant, no obligation Individual Health Insurance Quote CLICK HERE.
- Group/Business - Group health insurance is written on a number of people under a single master policy, issued to their employer or to an association with which they are affiliated. Group insurance is generally more expensive than individual insurance, but it is guarenteed issue. For a quote click here.
- Short-Term - Short-term health insurance is temporary coverage that last for 30-365 days. It is cheaper than most other insurance but does the coverage is not as extensive. For a quote click here.
- Student Health Insurance - Student insurance is renewable individual health insurance for college students.
- HSA (Health Savings Account) - Through a high deductible health plan HSA's allow payments of medical expenses to be paid with triple tax-free money. The contributions to the savings portion of the account is tax deductible, the growth is tax-free, and the distribution (if used for medical expenses) is tax-free. For a quote click here.
- HRA (Health Reimbursement Account) - HRA's are employer sponsored health-spending accounts that allow employees to accumulate funds for health expenses. For a quote click here.
- Pet Health Insurance - Pet insurance helps manage unexpected veterinary bills for dogs and cats. To get a FREE, instant, no obligation quote click here.
- International Health Insurance- International medical insurance coverage includes long and short-term policies for U.S. citizens traveling abroad and non - U.S. citizens traveling outside their country of citizenship. To get a FREE, instant, no obligation quote click here.
For more information please call (203) 237-7900 or click here
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