Individual Health Insurance

Simply put, 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 health insurance at an agreed-upon price (the premium).

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. 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 health insurance on your own.

Our agency provides individual PPO health plans underwritten by the following A.M. Best "A" rated health insurance companies:

Humana, UnitedHealthOne underwritten by Golden Rule Insurance Company, Cigna and Aetna.

Our quote engine provides proposals on all of the current plans available from Humana, Cigna and UnitedHealthOne by clicking on "Get a quote Now". You can also do a "side by side" comparison of up to four different plans. For information regarding a specific company, simply click on any of the company logos below to see plan information and rates from that company only.

 New plans as of 7/10/2010. Humana's Enhanced Copay / 80% plan offers benefits like those provided by big employers including a deductible carryover credit for covered expenses incurred in the last three months of the calendar year. The Enhanced Plan provides an unlimited number of $35 doctor office visit copays for primary care physicians, or a $60 copay for a specialist. Preventive care includes an Adult routine annual physical exam with no waiting period, and not subject to your deductible. Preventive lab and X-ray the first $500 at 100% then 80% after deductible. Preventive pap smear and preventive mammogram are covered at 100%, not subject to the calendar year deductible, or coinsurance.

The Golden Rule Insurance Company's Copay Select Plan (click on to view video) offers NEW PLANS AS OF 12/2/2010 with a

DEDUCTIBLE CREDIT.  It can help you reduce your future out-of-pocket expenses. If you don't meet your per-person calendar-year network deductible, the Deductible Credit applies to next year's network deductible.

1 year 20% off of chosen network deductible

2 consecutive years 40%

3 or more consecutive years 50%

With a health savings account plan the deductible credit will never reduce the deductible below the minimum required by law to maintain tax-qualified status of the insurance plan. The minumum for 2011 is $1,200 for singles and $2,400 for families.

an unlimited annual adult wellness benefit not subject to the plan deductible, copay, or coinsurance level is included with all plans.

The HSA 100 plan also offers the wellness benefit not subject to the deductible.

Please click on the Cigna Logo to run Cigna Individual proposals. Please note that Cigna only displays base rates. The final rate will be adjusted for body build and or existing medical conditions. Cigna's Open Access Plans offer a large local and national provider network. All of their plans offer a 100% preventive care benefit not subject to your selected plan deductible or office visit copay. Office visits for illness or accidents have either a $25/$50 Primary Care Physician/Specialist copay or a $30/$60 copay depending upon the deductible selected.

Please click on the Aetna Logo below to run Aetna Individual proposals. Please note that Aetna only displays base rates. The final rate will be adjusted for tobacco use + 25%, body build, and existing medical conditions.

When considering Aetna's Advantage plans the following benefits should be considered that most other companies do not offer: (1) Contracts are issued without waivers or riders. (2) Pre-existing limitations are waived for either prior individual or group creditable coverage, if you had creditable coverage within the 63 days prior to your application date. (3) Preventive care does not require a waiting period. (4) Copay or coinsurance not required for well women exam, including Pap and mammogram, covered at 100%. Benefits are the same for male cancer screenings. (5) Copay or coinsurance not required for childhood immunizations up to age 18, covered at 100%. All plans include a preventive health (annual physical), not subject to the plan's calendar year deductible.

Health Savings Plans

As health care premiums continue to rise, those individuals seeking greater control of their health care dollars need to consider Health Savings type plans. If you have discretionary income and can take advantage of the tax benefits only available with a qualified health savings account, the after tax cost comparison to a plan with an office visit copay benefit and an Rx copay benefit can be substantial.

I would encourage you to view the HSA Bank's web site and view their video presentation.

To open a health savings account online with the HSA Bank please click on this link.

International coverage

Medical coverage for individuals traveling outside their home country, and medical coverage for foreign nationals visiting the United States. Click on this site for online proposals and applications. Global Underwriters Agency Inc.

For an instant online health insurance quote for you or your family, please fill out our online form.