INDIVIDUAL & FAMILY HEALTH INSURANCE

If you're shopping for your own health insurance plan, it's likely that you're self-employed, or not covered by your employer. Well, you're in the right place. We have some great options in health insurance for individuals and families like you.  You'll get health insurance the way you want it — a wide range of choices, all explained in plain, simple English, backed by a stable, yet innovative health insurance organization.

Some of the features include:

• Up to $8 million lifetime benefit maximum
• Worldwide coverage, 24 hours a day
• Your choice of doctors and hospitals from extensive networks
• No referrals necessary to see a specialist
• First-year rate guarantee

PLAN TYPES

To choose the best health insurance plan, you need to understand what different plans offer and what their benefit and cost trade-offs are.  No matter what your individual needs, we have the right plan.

Network Plans - with a network plan, you take your pick of providers within a large network of physicians and hospitals offering negotiated rates.  The providers' reduced fees lead to lower premiums, deductibles and copayments for you.

Traditional Plans - a traditional plan offers you complete freedom to choose the doctor or hospital you wish, without penalty.  The flexibility of a traditional plan makes the most sense if you live outside a network area.

Health Saving Account (HSA) Plans - a Health Savings Account plan consists of a federally-qualified high deductible plan, which costs less in premium compared to a conventional plan, covers bills that exceed the deductible.  You may pay smaller bills and some other expenses not typically covered by health insurance with pre-tax dollars if you set up an HSA.  HSAs also help you save for your future needs since the funds roll over from year to year tax-free.