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Health Insurance

Health Insurance Information

As medical care advances and treatments increase, health care costs also increase.  The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serous illness or injury that could be very expensive.  In addition, you are more likely to get routine and preventive care if you have health insurance.

You need health insurance because you cannot predict what your medical bills will be.  In some years, your costs may be low.  In other years, you may have very high medical expenses.  If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs.  You should not wait until you or a family member becomes seriously ill to try to purchase health insurance. 

We also know that there is a link between having health insurance and getting better health care.  Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it. 

Individual & Family Health Insurance:

For those who are self-employed or have a job with no health benefits, buying health insurance is a good idea.  If you have health insurance, you can cover yourself and your family in the case of an unexpected emergency.  Health Insurance also provides financial protection-the cost of medical bills without insurance can lead you into great debt and even bankruptcy.  At some point or another everyone will need medical care; health insurance covers your medical costs and offers many other benefits as well.  

Short-term health insurance:

Short-term health insurance plans provide you with coverage for a limited period of time and may be an ideal solution for those between jobs or those waiting for other health insurance to start.  Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months.  If you think you'll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short-term health insurance is usually simpler than standard, longer-term health insurance.  Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care. 

Short-term health insurance plans typically do not cover pre-existing medical conditions.  The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years.  If you have an existing medical condition, you may want to research whether you can extend your current insurance.  Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.