Individual Health Insurance

Selecting the best individual health insurance coverage can be daunting. We at Insurance Care Direct strongly believe in educating our clients about the usually intimidating subject of insurance. We want to put care back into the process of purchasing insurance. While other online health insurance companies quickly self-promote their services, we believe that we should take the necessary time to explain exactly what features the policies we are offering contain and how they can be custom fitted to each person's individual needs. Our customer department is committed to quickly responding to any question or concern our clients may have when selecting individual health insurance.

By definition, 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 reimbursements or reduced costs for medical services in exchange for a specified premium (payment). 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 individual health insurance on your own. Often, people looking for health insurance believe they need to make a choice between the best individual health insurance and low cost individual health insurance.

If you are looking for low cost individual health insurance, the premiums are determined by several personal factors such as age, gender, health history including use of tobacco products, height and weight, occupation, and geographic differences in the cost of medical services. When trying to keep the cost low for individual health insurance, other determining factors include the deductible (the amount one pays before the policy benefits apply), co-insurance (the ratio between what the insurance company pays and what the client pays after the deductible is met), the number of visits to a doctor that are included at a fixed co-pay (a small amount such as $35 which one pays for an office visit), and whether or not the policy includes prescription coverage.

A good insurance broker will make sure that their clients have the best policies from the best companies at the best rates when selecting individual health insurance coverage. Insurance Care Direct represents only the largest, highest rated health insurance companies in the nation. You can be confident that our licensed agents will research all the best individual health insurance plans available in your area and will recommend only those that fit your needs and budget.