Health Insurance Daily Guide

Individual Insuance
Individual insurance includes health insurance coverage you can purchase on your own directly through an insurance company. Many health insurance companies offer individual health coverage to people who either are self-employed or work for a business that does not offer health insurance.

All Pennsylvania residents can buy individual health insurance through the Blue Cross and Blue Shield plans on a guaranteed issue basis. However, your choice of health plans may be limited and you may face a pre-existing condition exclusion period.

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Health insurance is available through two types of plans: group or individual. Group plans are offered through an employer or association; individual plans are purchased directly through an insurance company. (For purposes of this brochure, �individual� refers to you and, where applicable, your dependents).

If you work for a company that offers a group insurance plan, or even a choice of plans to its employees, obtaining health insurance may not be a problem. However, if you are not covered by a group plan, or if you want different or additional coverage other than that offered by your employer, you may want to consider buying individual health insurance coverage for yourself or your family, or determine your eligibility for association or government sponsored health insurance.

Source: ins.state.pa.us

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When choosing a health care provider, most of us only think in terms of cost. We usually choose the most affordable plan we can find. Unfortunately, this might end up costing you more in the long run. After all, you get what you paid for, and cheap insurance means limited services. So before deciding on one provider, be sure to examine all the benefits you will be entitled to get. And please, don’t forget to read the fine print!

Some factors to look out for are the accredited hospitals and medical providers the insurance company has. Most companies have their list of accredited doctors you can consult with, and you might find out that check-ups with your personal physician will not be paid for by the insurer. You should also check which diseases are covered, and up to how much. Most insurers have a list of “dreaded diseases” that they will costs up to a certain amount, the rest would be up to you.

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