Get a Plan That Meets Your Health Care Requirements
Contact Us for Individual or Family Health Insurance
Individual health insurance plans are designed to cover the medical needs of a single person. They are suitable for individuals who need coverage for themselves, whether they are self-employed, between jobs, or not eligible for employer-sponsored insurance.
Family health insurance plans provide coverage for multiple people, typically including parents and their children. These plans are ideal for households where multiple family members need medical coverage.
Here's What's Different About Our Family Coverage
Individual Health Insurance Plans:
- Coverage: These plans typically cover a range of health services, including preventive care, doctor visits, hospital stays, prescription drugs, and sometimes additional services like mental health support and physical therapy. The specific benefits and coverage levels vary by plan.
- Enrollment: Individuals can purchase health insurance plans through various channels, such as the Health Insurance Marketplace (also known as the Exchange), directly from insurance companies, or through brokers. Enrollment usually occurs during open enrollment periods, which is November 1 through January 15, although there may be options for special enrollment if certain life events occur (e.g., getting married or losing other coverage).
- Costs: The cost of individual health insurance includes a monthly premium, which is the amount paid regularly to maintain the policy. There may also be out-of-pocket costs such as deductibles, copayments, and coinsurance, which vary based on the plan.
Family Health Insurance Plans:
- Coverage: Family plans offer similar coverage to individual plans but are designed to extend benefits to all enrolled family members. This means that medical services for each covered individual are included, and the plan usually provides comprehensive benefits for routine care, emergency services, and preventive treatments.
- Enrollment: Like individual plans, family plans can be purchased through the Health Insurance Marketplace, directly from insurance companies, or through brokers. Enrollment periods are similar, with opportunities to enroll during open enrollment (November 1 through January 15) or special enrollment periods based on life events.
- Costs: Family health insurance plans have a single premium that covers all enrolled members. This premium is typically higher than an individual plan due to the increased coverage. Families also have shared deductibles and out-of-pocket maximums, which can be more cost-effective than purchasing multiple individual plans.
Key Differences and Considerations
Premiums and Costs
Family plans usually have a higher monthly premium compared to individual plans, but they can be more cost-effective than buying separate individual plans for each family member.
Coverage Needs
Family plans often offer additional benefits and coverage options tailored to the needs of multiple people, including pediatric care for children and family-centered preventive services.
Eligibility and Enrollment
Both types of plans are available through similar enrollment periods and channels. However, family plans typically require information about all members to ensure appropriate coverage.
In summary, Individual and Family Health Insurance Plans provide essential coverage for health care needs, with individual plans catering to single persons and family plans extending coverage to multiple family members. Choosing the right plan depends on the number of people needing coverage and the specific health care needs of each person.
Contact Information
Business Hours
Monday - Saturday: 9:00 am - 6:00 pm
Sunday: Closed