|Excellent for individuals and families
looking for complete coverage. This new plan features:
protection, now including
preventive care and child immunizations.
|Simple cost saving design. CoreShare
Lumenos HSA Plus
health plan, potentially lowering costs while offering Health Savings
In the good old days, health insurance was covered by your employer when you got your job. The employer provided health insurance coverage, and you didn't have to worry about paying medical expenses. We expected our employer to provide for our health care needs.
Today, many Americans find that group health insurance plans are no longer offered by their employers. The rising costs of health care make it increasingly difficult for businesses to cover the health insurance needs of employees.
With the current economic downturn, not only have health care costs soared, but many workers have lost their jobs and as a consequence, have lost their health insurance coverage. Now more than ever, people are considering individual health insurance to provide coverage for themselves and their families. Perhaps you are self-employed, and group health insurance just doesn't work for you.
Individual health insurance has many benefits over employer-provided group health insurance. These include:
While it's true that you don't have an employer paying a large chunk of the bill, it's also true that individual health insurance may be more affordable for you than group coverage. You don't have to pay a portion of your paycheck for an employer-picked group coverage plan – you can choose the plan you want.
You also don't have to worry about losing coverage when you change jobs. Your insurance follows you, not your job. As long as you pay your monthly premium, you've got coverage. This is especially convenient for self-employed workers.
In addition, individual coverage is customized exactly to your personal needs and preferences. Don't want to pay for more coverage than you'll need? Don't! Want more coverage than you've had? Get it. Individual health insurance allows us to tailor plans to fit the needs of yourself and your family to a tee.