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 a combined maximum of $500 per person per calendar year, 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, coinsurance or $500 annual maximum.

The Golden Rule Insurance Company's Copay Select Plan offers an unlimited annual adult wellness benefit not subject to the plan deductible after a 3 month waiting period with a $35 copay. Preventive X-Rays, Lab, Mammograms, Pap smear and PSA testing are covered at 100%, 80%, or 70% based upon your chosen coinsurance level (not subject to deductible). An optional Maternity benefit features no waiting period, with an increasing annual benefit the longer the policy is in force. The annual benefit during the first two years is $2,000, for policy years 3 and 4 the benefit increases to $4,000, with a $6,000 annual benefit for 5 or more years. The flat additional monthly premium for the maternity rider is only $109.00.

The HSA 100 plan also offers the wellness benefit not subject to the deductible with only a $35 copay for the office visit charge.

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 $300 preventive care benefit not subject to your selected plan deductible with either a $25/$50 Primary Care Physician/Specialist copay or a $30/$60 copay depending upon the deductible selected. The health savings plans offer the same $300 preventive care benefit at 100% with the plan deductible waived for network providers.

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) up to $200 per calendar year with only a small copayment depending upon the selected plan, 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.

Short Term Medical Coverage

Secure STM provides short term major medical insurance for up to 12 months for anyone currently between health insurance plans. College students or just graduating, a cobra alternative or recent unemployed or laid off. Click on this  site for online proposals and applications. Coverage begins 12:00am on the day following online enrollment or day following the U.S. Postmark stamp on the enrollment envelope

Short Term Medical Video from Golden Rule

Rx-Pay Card

Save money on prescriptions drugs, available at over 42,000 pharmacies nationwide. Local pharmacies include Costco, K-Mart, Publix, Wal-Mart, Walgreens and Winn Dixie. Generic drugs $10 Copay, Preferred Brand Name and Select Generic $20 Copay.

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