Health Insurance Carol City Florida FL
Reader’s Question:
I am tired of my company’s health insurance plan in Carol City Florida FL. I am considering asking my employer to give me a health insurance allowance instead of providing my coverage and then I will purchase an individual policy. What do you think about my brilliant insurance idea?
Hank
Carol City, FL
Hello Hank,
My first reaction is to slow down. Individual health insurance policies are available through experienced agents. Without knowing your reasons for frustration it is difficult to make a recommendation, but there are definitely advantages to group and individual health insurance.
Group health insurance policies, like your employment coverage in Carol City Florida do not generally require prescreening. The carrier has agreed to insure the group’s members and in many cases, their family members without reviewing their medical records and histories. When purchasing individual health insurance in Carol City FL, that is a big consideration. Individuals can be rejected based upon their medical history, income and a variety of other factors.
That is not to say that individual health insurance does not serve a purpose. An experienced agent in Carol City Florida FL can help you design a plan that suits your needs. If you go in this direction, we always recommend that you make sure pre-existing conditions are covered. Sometimes individual health insurance policies carry limitations which can affect the cost and the coverage. You and your agent will need to shop for the perfect fit. Wherever you end up, Hank, make sure you review your policy annually.
Tags: group health insurance, health insurance, individual health insurance
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