Individual & Family Health Insurance

Smart Decisions Today for a Healthy Tomorrow.

As an individual, you’re most likely responsible not only for yourself, but also for the well being of your family. In order to keep yourself and those you care about most healthy and happy, you’ll want to ensure that you have the proper Health Insurance plan to cover your every need and keep you protected financially.

With the cost of healthcare on the rise, you can’t afford to take any chances. At O'Connor and Associates Insurance and State Central Insurance, we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer, or are either self-employed, unemployed, or a student. Our various types of Individual and Family Health Insurance options include:

• FFS (Fee-for-Service)
• HMO (Health Maintenance Organization)
• PPO (Preferred Provider Organization)
• POS (Point-of-Service)
• HSA (Health Savings Account)

Since each insurance option differs in cost and benefits, it’s important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.

Find a Health Insurance Plan That’s Right For You

Without an adequate Health Insurance policy, if you or a family member gets injured in an accident or becomes ill, the last thing you’ll want to experience is paying for high medical costs from your own pocket.

If you’re an individual looking for coverage either for yourself or your family, you'll find that we have the perfect Individual and Family Health Insurance plan to meet your needs. Since Health Insurance options vary from state to state, our experienced, Health Insurance specialists are available to work with your needs on an individual basis in order to assist you in creating a plan that keeps you covered.

Don’t risk your finances on expensive medical bills and services. Get the affordable protection that keeps those you care about most healthy with an Individual and Family Health Insurance policy.

Types of Medical Expense Insurance

There are typically two types of policies: Basic Medical and Major Medical Expense.

Basic Medical Expense policies offer coverage for standard hospital, surgical, and physician expenses. It works to insure certain types of hospital visits/stays, surgery for specific types of procedures, and common physician fees.

Major Medical Expense policies are for covering expenses that take over when the limits of a basic insurance plan have been exhausted. This typically involves more catastrophic situations over basic injury or illness.

To find out more, please contact one of our local offices today. One of our helpful Health Insurance specialists will work with you to create a Medical Expense policy that fits the needs of you and your family.