Individual Health

Individual health insurance is, quite simply, coverage that an individual purchases for himself and/or his family. Individual insurance policies and provisions are regulated by the state where the policy is purchased.

Coverage in individual policies may be limited due to pre-existing conditions with certain kinds of medical care excluded as a result. This is often referred to as a "rider." This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide not to cover people with very serious medical conditions (e.g., HIV or cancer), deeming them "uninsurable."

There are several different options with Individual health Insurance that can be tailored to meet each clients specific needs, whether you use insurance on a regular basis use or just want to have it for catastrophic events .