Individual & Family Health Plans

Simply put, Health Insurance is protection against medical costs. A policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide benefits at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

The health plans usually provide either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health plan will depend on your carrier and the particular policy you purchase. If your employer does not offer health benefits, you may wish to purchase a policy on your own.

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