Individual Health & Life Insurance
Ways to Buy Individual Health & Life Insurance
You have a choice. There are two basic ways
for an individual to buy health and life insurance:
- through a group
- as an individual (see below)
How do you decide? There are pros and cons to be considered
that vary according to your individual situation.
How you buy your health coverage will affect your rights & responsibilities. You
might find it interesting and useful to learn more about the differences
between individual insurance and group
insurance.
Employer
Benefit Solutions is pleased to include the following advice, from
The Ohio Department of Insurance, listing:
- Some of
the basics of buying individual insurance
- Some of the
things to expect after you're enrolled.
Employer Benefit Solutions can help you with
the details to simplify
your decision and choose the best insurance for your needs.
Individual Insurance: Your Rights & Responsibilities
Individual Health Insurance Coverage
• You contract directly with an insurance company just like
insuring your home or car
• You are the policyholder
• Your individual policy can cover your entire family and each
family member would be an insured
• HMOs call the policyholder a subscriber — the insured
is a member or enrollee
Employer Benefit Solutions offers individual
insurance policies.
Call today for a free quote.
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Policy vs.handbook
The master policy is the contract. The benefits handbook is a summary
and might not include every detail.
The Policy
• Individual health: Insures you. Your policy
may also include members of your family.
Premiums
• Individual health: Premiums are regulated
by the Ohio Department of Insurance. Rates can be increased
only if the Department approves an increase for everyone
with the same kind of policy
Required benefits
• Individual health: Must include specific
minimum benefits.
Individual Insurance Products
- Personal Health Insurance
- Personal Life Insurance
- Disability Insurance
- Dental Insurance
- Student Health Insurance
- Long Term Care Insurance
- Whole Life Insurance
- Term Life Insurance
Free Individual / Personal Insurance Plan Quotes
Employer Benefit Solutions offers individual insurance policies.
Call or
today
for a free quote.
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