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Aetna Health Insurance Quotes


Special Needs?

Short Term Medical
Standard Security Life


Short Term Medical
1-3 years

Standard Security Life

Student Health Insurance

Student Health Insurance From Time-Assurant


Standard Security Life

Stand Alone Dental

Standard Security Life

Stand Alone
Rx Pay Card

Standard Security Life


Overseas Travel Medical
Standard Security Life


 

 

Health Insurance for Individuals and Families


Fact:

  Half a million Americans who file for bankruptcy each year do so because of medical bills
arising from illness or injury.

  The uninsured are up to 70% more likely to be hospitalized than people with insurance.

  If you are without health insurance, you have no other option than to use the hospital emergency services, were treatment is more expensive.

  Individual health insurance is the fastest growing areas of health insurance coverage.
This is due to the job market situation.

  With most individual or family policies, once in force the policy may not be cancelled nor may the premium be increased based on the individual’s claim history—premiums increase only with
general medical inflation and age of the insured.

  Individual health insurance quotes will differ according to age and gender.

Considerations the following:

■  Are the plan benefits comprehensive? Some policies only cover doctor charges. Others may only cover hospital charges.

■  Does the plan include the doctors that you are currently seeing? In other words, is your doctor or preferred hospital in the network. A consideration for PPO and HMO plans. 

■  Are the health care benefits that you need covered?  For example, maternity. Individual policies may automatically include maternity benefits for females within a certain age even if they do not want or need the coverage. Other
plans offer maternity only as an added benefit and increased premium rate.

■  Does the plan cover pre-existing conditions?
Preexisting condition exclusions are generally limited to a 12-month maximum after enrollment for conditions that were treated or diagnosed in the previous six months
.

■  How much are the co-pays and deductibles? This will influence the price of the policy.

■  Does the plan include dental care, vision care, preventative care, maternity care, prescription medication, and mental health care?

 

 

 


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