Individual and Family Health Insurance


Individual and family health insurance is a type of health insurance coverage that is available to individuals and families, rather than to employer groups or organizations. If you're self-employed or your employer don't offer health insurance, you still need some type of coverage. You may be pleasantly surprised with the variety and affordability of individual and family health insurance.

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.


Health Access Plan

If you're like most people, your needs are changing all the time, especially when it comes to health insurance. Maybe you're out of a job, maybe your employer doesn't offer coverage, or maybe coverage is just too expensive. Choosing a health insurance plan for you and your family is serious stuff -- and digging into the details can help you make the right choice about Health Access limited-benefit plans. Not only are they priced within your reach, they're packed with value to make sure you get your money's worth during this time of your life. And, Health Access gives you just that -- access -- access to the health care system, access to doctors and other providers, and access to discounts.


Here's what Health Access offers:


Affordability

Choose from three modestly priced plans to find the one that best fits your budget and lifestyle.


Usefulness

These plans cover services you'll actually use, such as doctors' office visits, prescriptions, preventive care and immunizations. Plus, should you need them, you'll also have hospital benefits.


Value

You'll have first-dollar benefits, copays and no high deductible. And there are several services to help you squeeze extra value out of your plan and maximize any limits.


Accessibility

From zero medical questions on one of the plans, to only two on others, it's easy to qualify for all Health Access plans.


Flexibility

Keep your own doctors, choose individual or family coverage, and add coverage for dental, vision and cancer benefits.


What's the difference between the three limited-benefit plans?

PLAN A -- No hospital benefits, calendar year (vs. lifetime) maximums, no pre-existing condition limitation.

PLAN B and PLAN C -- Coverage for pre-existing conditions after you have been continuously insured under this plan for 12 months, PLAN B has a $100,000 calendar year maximum, and a $1 million lifetime maximum. PLAN C has a $200,000 calendar year maximum, and a $1 million lifetime maximum.  


Accident Insurance

Accident insurance pays for covered expenses resulting from an accident not to exceed selected calendar year benefit amounts. It pays for treatment rendered in a hospital, emergency room, a physician's office, or a subsequent inpatient hospitalization that immediately follows a covered physician's office visit or hospital emergency room visit that occurs within 90 days of the accident.

Accident insurance offers 24-hour or off-the-job coverage for accidents, injuries and accidental death for employees and family members.

While most people carry medical insurance to pay the hospital, the injured party is still financially affected as they are faced with paying deductibles, co-payments and other out-of-pocket expenses. In addition, even if you carry disability insurance, many injuries are not serious enough to receive a disability benefit. Accident insurance covers you where medical and disability insurance coverage can't.


Off Job Accident Disability Rider - Can provide additional coverage if an accident leaves you unable to earn a paycheck.


Sickness Hospital Confinement rider - Can provide additional coverage if an illness leaves you or anyone else covered by the rider confined to a hospital.


Wellness Benefit Rider - The benefits you receive will help pay for the cost of expensive medical and health screening tests that are sometimes necessary to prevent or detect health challenges.


Catastrophic Accident Rider - The benefits you receive will help ensure your family has the funds necessary to make adjustments in their lives following a catastrophic accident.


Accidental Death & Dismemberment

The accidental death & dismemberment benefit pays if a covered person suffers loss of life, sight or limb(s) due to injuries received in a covered accident. It pays for loss occurring within 90 days of an accident. Benefits are doubled for covered accidents occurring while the covered person is a fare-paying passenger on a common carrier.


Cancer

The first occurrence cancer benefit pays a lump sum benefit directly to the insured person upon the first diagnosis of life-threatening cancer while this policy is in force.


Hospital Admission

The hospital admission benefit pays for a covered person's first occurrence hospital admission due to sickness, injury or complication of pregnancy. The benefit is paid directly to the insured person, not to exceed the calendar year benefit amount selected for confinements of at least one day.


Hospital Daily Room

The hospital daily room benefit pays the selected benefit amount for each day of hospital confinement due to sickness, injury or complication pf pregnancy, not to exceed the selected benefit period per confinement (minimum 24-hour confinement). The benefit is paid directly to the insured person.


Hospital Intensive Care

The hospital intnesive care benefit pays the selected benefit amount for each day of intensive care unit confinement due to sickness or injury, not to exceed 60 days per confinement. The benefit is paid directly to the insured person, and there is no elimination period.


Outpatient Surgery

The outpatient surgery benefit pays up to the selected calendar year benefit amount for surgery performed in an outpatient facility due to a covered sickness or complication of pregnancy.


Critical Illness

The first occurrence critical illness benefit pays a lump sum benefit directly to the insured person upon the first diagnosis of a covered condition while this policy is in force.

>Heart Attack   >Stroke     >Major Organ Transplant     >Muscular Dystrophy >Kidney Failure   >Life-threatening Cancer    >Multiple Sclerosis

First Major Heart surgery Benefit - A benefit of 25% of the amount selected is paid for the first major heart surgery.

First Angioplasty Benefit - A benefit of 10% of the amount selected is paid for the first angioplasty.


Heart Attack & Stroke

The first occurrence heart attack and stroke benefit pays a lump sum benefit directly to the insured person upon the first diagnosis of a heart attack or stroke while this policy is in force.

First Major Heart Surgery Benefit - A benefit of 25% of the amount selected is paid for the first major heart surgery.


First Angioplasty Benefit - A benefit of 10% if the amount selected is paid for the first angioplasty.


Hospital Indemnity Insurance

Painful realities:
You may manage your routine health care costs effictively, but when an accident or illness results in an inpatient hospital stay, you could find yourself paying for insurance deductibles, copays and coinsurance plus the costs of transportation, child care and home care. Add it up and the total can be staggering.

Hospital indemnity insurance can be your financial safety net. It provides an immediate cash benefit - paid directly to you - if you or a family member becomes sick or is hurt and requires hospitalization.

Cash for you at a time you need it most:
>No deductibles, copays or coinsurance requirements.
>No restrictions on your choice of doctors or hospitals.
>No preauthorization for treatment.
>No limitations on how you spend it.

Cash paid regardless of other insurance you may have:
With hospital indemnity insurance, you decide what to do with the money. Use it for medical bills, to replace lost income, to cover transportation costs, to pay for services you can't perform, or for other needs.


Accident Benefit Rider - pays benefits for treatment in the emergency room and for a follow-up physician visit after hospital confinement or outpatient surgery due to an accident.


Accident and Sickness Benefit rider - pays benefits for treatment in the emergency room and for a follow-up physician visit after hospital confinement or outpatient surgery due to an accident or sickness.


Hospital Intensive Care Rider - Pays benefits (ranging up to $1,000 per day, depending on various criteria) if an insured person in confined to an intensive care unit while hospitalized for a covered sickness or injury. The rider also pays a lump sum human organ transplant benefit and ambulance benefit when an insured person is admitted directly to an intensive care unit in a hospital.


Additional Initial Hospitalization Rider - this optional rider increases the policy's initial hospitalization benefit in increments of $200, up to an additional $800 per period of confinement. 

To learn more about these products, please click on the CONTACT ME tab at the top. For a health insurance quote, please fill out the no obligation Health Quote Form, today.