Individual Options

There are hundreds of Individual health insurance policies available for you. That is why having an expert narrow down your choices after determining your individual health care needs and financial resources is invaluable. One plan at first glance might seem best for you but might really end up not being a good fit after speaking with a professional who has completed in-depth research on all of the plans.

Individual Health Insurance policies do require that you go through an underwriting process.  What that means is that you have to fill in an application asking for your complete medical history. 

Based on your history, the insurance may approve you with the regular rates, approve you but surcharge you 20%, 50%, 100%, or they may decline you altogether due to a pre-existing health condition. 

If you are declined, just remember you have options that we can discuss for other ways to get you and/or your family health insurance coverage.

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