Individual Health Insurance
Free Consultations for Individual Health Insurance
By law, we cannot charge any fees for our services. Consultations for Individual Health Insurance are always no cost and no obligation. We enjoy getting to know our clients and building relationships over time.
Importance of Individual Health Insurance
There is a lot of confusion about Health Insurance these days, and Federal Laws have changed the Health Insurance landscape permanently. Individual Health Plans are a necessity these days in order to limit your financial exposure, especially in the unthinkable event of a catastrophic even such as a major illness or injury. Individual Health Plans are traditionally HMOs or PPOs with a network of doctors and hospitals. While most of these networks are local or regional, some Individual Health Insurance plans offer a national network for those who travel for leisure or business. Individual Health Insurance plans with national networks are also ideal for people who spend several months away from Maine, such as winter visits to Florida.
We specialize in assisting people who are leaving company-sponsored health plans (Group Health plans) due to retirement or are perhaps considering leaving the security of an employer to open their own business. We applaud those who “take the plunge” into self-employment and can replace the Group Health plan with an Individual Health plan. For those about to retire, we take the worry out of leaving the Group Health plan before entering Medicare. We often work with couples approaching retirement who are different ages and in which one spouse will need Individual Health insurance and the other spouse will be entering Medicare. We are uniquely qualified and certified to help both of those people!
There are numerous options for affordable health plans. We take the time to conduct a thorough needs analysis. We represent numerous insurance companies with a large portfolio of policies that can be tailored to the individual or family. Some clients do not qualify for Federal subsidies to lower their premiums, or choose not to accept them, but still prefer traditional health plans. The same traditional health plans are available, with or without subsidies, and can be purchased for the full premium price. Some or choose not to have Qualified Health Plans, so we offer alternative health coverage with “out of the box” thinking.
