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Individual and family health insurance is a type of health insurance coverage that often plays a key role for the self-insured, career changers or the self-employed. Often underwritten to the insured and portable, this type of insurance is becoming a popular alternative to traditional employer benefits as these benefts begin to shrink. Additionally, these lines of insurance can include dental, vision and life coverage in the same plan, all included in one monthly premium. If you have never considered this insurance in the past, you may be pleasantly surprised with the variety and affordability of these coverages.
Group Health Insurance - As a valuable component of a compensation package, a group health insurance plan can help you hire and retain the best workers. Plus, there are special tax incentives for businesses that provide health insurance.
Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. Often, these coverages can be placed within 24 hours of application. If you think you'll need coverage for a longer period of time, you may want to look at standard health insurance options like our individual and family insurance plans noted above which will provide a greater degree of stability for those insured.
Dental insurance works in much the same way that medical insurance works. For a specific premium you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and oral exams. DMO and PPO plans offer a combination of benefits and coverages for those looking for the luxury of provider flexibility and comprehensive coverages such as bridges, fillings and root canals. Dental insurance can be purchased seperate from medical insurance. Families, individuals, students and children are eligible for coverages, and some plans will cover certain pre-existing conditions.
For students and parents, a student health insurance plan can provide families with valuable health insurance solutions when group policies no longer provide coverage for enrolled undergraduate and graduate students. Common plans offers a choice of deductibles, and because they are not HMO or PPO plans, students can pick the doctor or hospital closest to their school. The plan allows for up to $1 million in eligible expenses, including in-hospital and outpatient services and emergency care. Often, parents or students can enroll for coverage and often, it can be placed in force within two days of completing an application.
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