Individual Health Insurance

With so many different options, deciding on the right health insurance can be confusing. But with the cost of healthcare on the rise, you can’t afford to take chances. If an accident or illness strikes, paying high medical costs out of your own pocket can be a financial disaster. If your employer does not offer an adequate health benefit package, or you are self-employed, unemployed, or retired, I can help you sort through the maze of different insurance options and find the right plan at a price you can afford.

Types of Health Plans to Choose From

HMO

Health Maintenance Organization

An HMO requires members to select a primary care doctor. In these plans, individuals cannot see specialists without a referral from their primary care physician. With an HMO out of pocket costs are always predictable with low annual deductibles and low copayments.

PPO

Preferred Provider Organization

A PPO offers you the freedom to receive care from any provider—in or out of network. In addition, PPO plans do not require a primary care physician (PCP) or referrals. However, there will also be higher out-of-pocket costs associated with these plans.

EPO

Exclusive Provider Organization

Exclusive Provider Organizations only provide benefits within the network. While an EPO is usually more pocket-friendly than a PPO plan, there are no benefits for out of network. Typically, EPO plans are beneficial if you have to see specialists on a regular basis.

POS

Point of Service Plan

Point of Service Plans are a combination of HMO’s and PPO’s in that you are required to choose an in network primary care physician, but you can still see out of network doctors for a higher cost. These types of plans are not as common as an HMO or PPO.

Since each insurance option differs in cost and benefits, it’s important to discuss your unique needs with an insurance expert who can keep you and your family covered under the right plan at a price you can afford. Let’s find a solution that fits your health insurance needs.