Individual Health Insurance
Promoting health and guarding against illness—
selecting the best approach for proactive care.
It’s an often overwhelming process—finding the best care for your specific health needs while trying to select the most cost-effective option. We do this for a living…let us do the hard work! We have access to many reputable carriers; we know the prices, and the differences in choosing one provider over another. We have successfully matched individuals with insurance to protect their health for over 25 years. Our clients love that we advocate for them on coverage and claims questions and we’d love to do the same for you.
Click through our approach below to see how we can help you get started today.
After sitting down, discussing your goals, and asking a few preliminary health questions — we have two initial jobs. First, we conduct a Needs Analysis to determine what a beneficiary would need for income if something were to happen to you. We then look at the Human Life Value, which takes into consideration your income, tax rate, current insurance owned, and how many years until retirement. We are happy to discuss insurance needs independently, but encourage clients to consider them within the complete context of retirement planning and college funding so that we can maximize the efficiency of service and potential of complimentary products.
As a locally-owned and independent company, we have the advantage of “shopping around” for competitive rates and coverage for your unique situation. We work with many reputable carriers and have comprehensive experience with the nuances of each—for instance, some carriers may be stricter on certain health conditions, while others may not have the comprehensive coverage you may require. Our job is to find you the most cost-effective rate while making sure all of your potential needs are covered.
Once we have selected a carrier, you will need to complete the application process. In almost all cases today, this can be done over the phone. Additionally, a physical exam may be required for coverage and the insurance company will call you directly to set this up. (Often times this can be done at your residence.) We are your point person throughout the entire process and are here to manage any questions along the way. Once the insurance company has approved the application, we will hand deliver your policy.
We encourage our clients to meet with us every year to conduct a review. During this time, we will touch on any changes that have occurred, such as a job change, death in the family, a newborn baby, inheritance, or new home. These changes all will affect your insurance needs and we will take a look at where we may need to adjust or add a policy. During this time we will also check to see if we need to convert or re-write an existing term insurance policy. This insurance review can be independent, or in conjunction with an overall retirement planning review.
How to estimate your total cost of care.
When choosing a plan, it’s a good idea to think about your total health care costs, not just the bill (the “premium”) you pay to your insurance company every month. Other amounts, sometimes called “out-of-pocket” costs, have a big impact on your total spending on health care – sometimes more than the premium itself.
Everyone needs an ounce of prevention.
Recommended guidelines for preventative screenings are continually changing according to the latest study information. While your primary care physician should be up-to-date with this information, sometimes healthy individuals miss these important proactive health care steps if they have not been in for a recent care visit.