INSURANCE PARTNERS
Getting sick is a very costly affair. Not only do you have to worry about your medical care and hospitalization; you also have apprehension about the effects of the illness on your future and that of your family. This is where Individual Health Insurance can help. At East Coast Financial Group, we assist you in shopping for the most appropriate health insurance coverage that suits your budget, lifestyle, and healthcare needs.
This is a type of health insurance that you buy for yourself only. It can also provide coverage for your family. This is different from group health insurance that one can obtain through an employer. The benefits of the health insurance policy are flexible on the personal needs and budget of the individual. More people are buying individual health insurance today because of the recent changes in health care reform.
Getting health insurance today is a lot easier than it was several years ago. The Affordable Care Act instituted many of the reforms that allow many individuals and families to secure health insurance today. First, insurers can no longer discriminate against individuals who may have pre-existing medical conditions. This means that anyone can purchase a health insurance that suits his needs. The law expanded Medicaid while also establishing the Healthcare Marketplace. This is a venue for individuals and businesses to shop for affordable and quality insurance plans.
Having individual health insurance offers a number of advantages. They include the following:
You can choose the best policy that fits your personal needs, including that of your family. Jobs-based policies do not afford you such a choice as the employer determines the policy that will cover for all employees. Having a policy of your own means you can choose the level of coverage that you require as well as the network of healthcare providers you want to partner with.
All Affordable Care Act individual health insurance plans now provide coverage for the 10 essential health care services that the Affordable Care Act mandates. On top of these mandatory coverage, you can also add other healthcare benefits. Moreover, the healthcare reform law now prohibits discrimination against people with pre-existing medical conditions.
Having an individual policy gives you better security in case you lose your job. Work-based insurance policies are only effective for as long as one is still connected with the company. If you switch jobs, you will still have your insurance with you to cover for any health care needs that you may have.
If you meet the income requirements of your state, you can be eligible for premium tax credits. This can translate to better savings.
As a rule, all individual health insurance policies should cover the following 10 essential health benefits:
Purchasing your own individual health insurance is now easy. All you need is to log into your state’s Health Insurance Marketplace or get in touch with a health insurance broker. Supply your basic personal information. If you wish to qualify for the state’s premium tax credit, you will also need to supply financial information. Then choose a policy that contains your desired level of coverage and pay the insurance premium.
At East Coast Financial Group, we make sure that you get the best possible quotes across different insurers. This way, you’ll get to choose the best one for your needs.
-- a full range of our services --
-- East Coast Financial Group --
2436 N. Federal Hwy. Suite 210 Lighthouse Point, FL 33064
(954) 870-4008
info@affordable-healthquotes.com
-- for make an appointment --
| Monday | 8 am to 5 pm |
| Tuesday | 8 am to 5 pm |
| Wednesday | 8 am to 5 pm |
| Thursday | 8 am to 5 pm |
| Friday | 8 am to 5 pm |
| Saturday | Closed |
| Sunday | Closed |
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