Individual Health Insurance
Selecting the best individual health insurance coverage can be daunting. We at Insurance Care Direct strongly believe in educating our clients about the usually intimidating subject of insurance. We want to put care back into the process of purchasing insurance. While other online health insurance companies quickly self-promote their services, we believe that we should take the necessary time to explain exactly what features the policies we are offering contain and how they can be custom fitted to each person’s individual needs. Our customer department is committed to quickly responding to any question or concern our clients may have when selecting individual health insurance.
By definition, 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 reimbursements or reduced costs for medical services in exchange for a specified premium (payment). The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase individual health insurance on your own. Often, people looking for health insurance believe they need to make a choice between the best individual health insurance and low cost individual health insurance.
If you are looking for low cost individual health insurance, the premiums are determined by several personal factors such as age, gender, health history including use of tobacco products, height and weight, occupation, and geographic differences in the cost of medical services. When trying to keep the cost low for individual health insurance, other determining factors include the deductible (the amount one pays before the policy benefits apply), co-insurance (the ratio between what the insurance company pays and what the client pays after the deductible is met), the number of visits to a doctor that are included at a fixed co-pay (a small amount such as $35 which one pays for an office visit), and whether or not the policy includes prescription coverage.
A good insurance broker will make sure that their clients have the best policies from the best companies at the best rates when selecting individual health insurance coverage. Insurance Care Direct represents only the largest, highest rated health insurance companies in the nation. You can be confident that our licensed agents will research all the best individual health insurance plans available in your area and will recommend only those that fit your needs and budget.
Family Health Insurance Plans
Insuring the health of one’s family provides great personal satisfaction and security. Comparing family health insurance plans can be either a relatively easy process or a difficult one depending on the knowledge of your agent and the choice of insurance policies he or she has to offer you. Insurance Care Direct’s licensed agents will first make you comfortable discussing your family’s personal medical issues and will then direct you to an affordable family health insurance plan from an A-rated carrier that provides family health insurance coverage.
Tips for Getting the Most Affordable Health Insurance Company for Your Family
If you are currently enrolled in a group insurance plan at work, you may find the cost to add family members to be prohibitive. For affordable family health insurance coverage, in some cases, it may be best to enroll one’s family on a separate less expensive policy. Insurance Care Direct will guide you in this process, provide an affordable family health insurance quote, and can also assist you if you wish to leave your company’s plan during the annual enrollment periods.
Children may usually be included on a family health insurance plan until the age of 18, or until 24 if they are full-time students. Insurance Care Direct also has a carrier that will accept non-students over 18 under certain circumstances.
If you have been hesitating to inquire about health insurance for your family because of the high cost, you may be pleasantly surprised at the affordable health insurance coverage we regularly offer our clients. As Insurance Care Direct is appointed to the largest and highest-rated health insurance companies in the nation, we offer more choices than other independent brokers or agencies. Insurance Care Direct offers additional benefits to major medical policies such as maternity coverage, preventive care, and additional accident protection for your family.
Depending on one’s medical history we are able in many cases to get instant approvals, which is a first in health insurance history.
Call Insurance Care Direct or apply online today to get a free, no obligation affordable family health insurance quote. Give yourself and your loved ones the security that only an excellent family health insurance plan from a top-rated company can provide. Insurance Care Direct also provides individual, group, supplemental and short term health insurance as well as many life insurance products.
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