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6 Advantages Of Individual Health Insurance

It’s no secret that while health insurance plans play a pivotal role in easy access to medical facilities and urgent healthcare, getting the best value through your health insurance policy is nearly impossible if you don’t know something about individual health insurance.

We say this because the health insurance market is a tricky one. When comparing different policies, making sense of your options can be difficult. This can often leave you confused or uncertain about which health policy to go for. But this shouldn’t stop you from investing in an individual health insurance plan.

In this post, we will look at some of the most important benefits of individual health insurance so that you can have an idea of what would be the best option for your situation. So, keep reading:

1. You Can Shop Around to Find the Best Coverage at the Lowest Price

You can shop around to find the best coverage at the lowest price with individual health insurance. You’re free to choose from a wide range of options and to change your mind until you find something that meets your needs.

Remember that individual health insurance plans come in all shapes and sizes, from high-deductible plans to low-cost catastrophic plans. Some states also offer low-cost catastrophic plans similar to catastrophic coverage offered through an HMO.

A laptop and stethoscope

2. It’s Easy to Cancel Your Policy If You Don’t Need It Anymore

One of the perks of individual health insurance is that it’s easy to cancel your policy if you don’t need it anymore. It’s also easy to change the terms of your policy, such as changing your deductible or adding family members.

If you’re healthy and don’t want to pay high premiums, an individual health insurance plan will give you the freedom to choose your doctor and make changes when needed.

That being said, it also allows you to take a more active role in your own healthcare decisions, including being able to see specialists that you choose instead of having coverage dictated by a group practice approved by an insurance company’s network of doctors and hospitals.

3. You Don’t Have to Make a Major Decision About Your Insurance Coverage Right Away

Another advantage of individual health insurance is that you don’t have to make a major decision about your coverage right away. You can wait until you need it or decide you don’t need it at all, but in either case, your health insurance will already be in place when the time comes. This gives people who may not know exactly what they want until they need it more time to think about things and find the best possible option for them.

An old man speaking to an insurance agent

Similarly, individual health insurance gives you more control over your policy than employer-sponsored plans do. You can choose between a traditional plan that pays for most medical expenses (but not all) and an HMO or PPO plan that pays some costs and requires other patients to pay a portion of their bills.

4. You Can Get Emergency Coverage Without a Waiting Period or Expiration Date

Most individual health insurance plans you can buy are without a waiting period or expiration date. We say this because if you have an existing medical condition, it’s unlikely that your insurer will let you get coverage without having met the pre-existing condition exclusion qualifications. But with individual health insurance, there are no pre-existing conditions and no waiting periods. You can get approved for coverage immediatelywhich would prevent insurers from offering you coverage in the first place.

5. Get Lower Deductibles And Co-Pays For Preventive Care

With an individual health insurance plan, you pay a lower deductible and co-pay for preventive services such as annual physicals and screenings for cancer, diabetes, and high blood pressure that could save you money in the long run by reducing the chances of costly treatments down the line.

An old couple sitting next to an insurance agent

6. You Get To Enjoy Dental and Vision-Care Related Services

If you have individual health insurance that covers dental and vision benefits, you can get the care you need. You can also receive reimbursement for out-of-pocket expenses if you are unable to pay for those services. This is especially great news if your insurance agency offers high deductibles or co-payments options.

Remember that the more options you have at your disposal, the less likely it is that someone will be able to convince you that an expensive treatment is necessary when it isn’t needed at all.

Buy Individual Health Insurance In California and Secure Your Future Today

If you’re searching for one of the top insurance companies in CA to get trusted individual insurance services, Covered California Certified Agent has got you covered!

We offer many different types of health insurance plans, including but not limited to dental insurance, employee insurance, group insurance, and life insurance options that are sure to fit your lifestyle.

So, what’s the holdup? Feel free to get in touch with us today by dialing 800-771-7653.