Insurance Plans will vary from company to company and are not consistent with the level of protection they offer. Many are confusing and hard to understand. With this being said, most people are unaware of the limitations, exclusions and level of coverage within their policy. many people pay way to much for too little coverage and end up with high medical bills for procedures that were not covered or that they assumed they would pay a set amount for.
When people read the fine print and calculate all the various deductibles, co pays, and coinsurance many people are often in financial trouble when illness strikes.
Self-employed, individuals or families not eligible for group coverage: We will put together a plan for you that is the most cost effective and has the absolute best coverage for your individual budget. Individual coverage is often less expensive than the average group policy or "open enrollment" policy and the coverage is usually much better. We can show you how it is done.
If you are on Cobra: Now is the time to protect your future. If you are in-between employment or going out on your own, we can help you secure your individual health insurance. Most people, if they can afford the rates, find a sense of security with Cobra insurance. However, what happens if you get sick and are not eligible to get an individual policy when your 18 months of coverage ends? Individual coverage is much more cost effective that group coverage that is not permanent.
Small businesses that are on group coverage: We can show you how to cut your monthly health insurance cost while still being a tax write off. Your employees will still have benefits AND be able to keep their insurance if they move. We can also offer standard group health insurance with guaranteed issue for as few as 2 employees.
Unable to get coverage: If you have been denied coverage due to chronic illness or previous claims, we can help you through the maze of underwriting requirements or even offer you Guaranteed Issued health plans to help avoid financial hardship if you become ill or injured. Click the link below for more information:
Guaranteed Issue health Insurance
If you would like to investigate on your own a small portion of policies available for the individual please feel free to use the links below. The choices can be confusing at times, and we have many other options available so do not hesitate to give us a call to discuss your individual needs. We are a full service agency ready to help you sort thru the options: 256-653-7451
Homeland Guaranteed Issue Insurance
AIM Guaranteed Issue Insurance