Medical Insurance

Not all Medical Insurance is created equal. There are a lot of sub standard Medical Insurance plans on the market, and we have compiled a list of Medical Insurance plans we would not buy and items to watch out for when shopping for Individual Medical Insurance. Various Individual Medical Insurance plans exist to fit just about any Medical Insurance needs, most Individual Medical Insurance plans are PPO or HSA plans.  Begin your FREE quote for Medical Insurance by picking your state below:

More Information on Medical Insurance:

Types of Individual Medical Insurance Plans:

• PPO Medical Insurance PLANS - These are the most popular Individual Medical Insurance Plans on the market, plans feature a wide range of deductibles and most plans have options for office visit and / or prescription co-pays
• HSA Medical Insurance PLANS - These are more "catastrophic Medical Insurance Plans" that offer great protection for the "big" stuff while you self insure yourself up to your deductible. HSA plans offer low rates and great protections.

Why Should You Purchase Individual Medical Insurance?

• You can not be singled out for rate increases - You can NOT be singled out for a rate increase due to Health claims
• Cancel your Medical Insurance anytime - You can cancel your Medical Insurance plan anytime - no contract commitments
• 10 Day FREE Look on your new Medical Insurance Policy - You will receive 10 days to review your Medical Insurance policy and all materials will arrive for your review by postal mail
• No Additional Agent Fees - NO fees to use a Medical Insurance agent, Same low rates no matter where you buy, our services are FREE why not take advantage of them and save on your Medical Insurance rates.

Other Times Individual Medical Insurance Might Save You Money And Protect Your Family:

• Self Employed and no Medical Insurance
• No Medical Insurance available at work
• Medical Insurance at work too expensive
• Medical Insurance at work too expensive for dependants
• In Between Jobs or unemployed without Medical Insurance

What Type of Medical Insurance Is NOT Recommended:

• Any Medical Insurance Plan that is not "real Medical Insurance" and is a discount plan.
• Any Medical Insurance Plan that claims to cover "all pre-existing conditions."
• Any Medical Insurance Plan that claims you can "use any doctor" - This means the pricing has not been pre-negotiated for you and you are likely to be over charged
• Any Medical Insurance Agent that has an application fee over $10 - $30. Some "real Medical Insurance carriers" do charge application fees usually of $25 - $30, and this money generally does not go to your agent.
• Any agent who tries charging $50 - $200 for an application or "association fee" is not good.
• Any Medical Insurance Plan with a lifetime maximum of less than $2 million to $5 million dollars
• Any Medical Insurance Plan with no prescription coverage
• Any Medical Insurance Plan where the deductible is per occurrence and not per year
• Any Medical Insurance Plan with a daily maximum on Hospital charges