Choosing the right health insurance Vancouver WA

Health insurance comes in many forms these days. Here are some of the basic types of plans you may be considering and comparing. 

Individual health insurance is for you if you are self-employed or your employer does not offer health insurance for some reason. The benefit of an individual health insurance plan is that you are able to tailor your plan to meet your specific needs and your family’s requirements. It’s your health insurance, and an individual plan allows you to choose a higher or lower deductible, to focus on preventative care, or alternative care or hospitalization. While this takes careful comparison shopping, it means you can weigh the variables: what kind of health care is covered, deductibles, and coinsurance.

If you are an employer looking for coverage for your employees, you will want a group health insurance plan. It is important for you to know the terms and costs of such a policy for both you and your employees. You need to get clarity on premiums, coverage, deductibles and coinsurance.

Short-term health insurance is a type of individual health plan with a short life span. It serves the needs of individuals who are undergoing some kind of transition, and still want to be covered. Circumstances that cause people to lose their health insurance can include changing jobs, moving to a new state, or graduating from school. A short-term health insurance plan usually covers you only for major events and expenses. They are intended for temporary protection, and should not be used to replace regular individual or group plans.

Student health insurance is a specific type of individual plan that addresses the needs of students who are enrolled in school away from home. If a student is not covered under her parents’ health plan, colleges and universities throughout the country require health care coverage, and most offer some kind of insurance coverage offered by insurance companies that have partnered with the school. Again, it is important to know your options when it comes to student health insurance.

Whatever your requirements are, I can help you clarify what your options are. Give me a call and let me help you find the health insurance Vancouver WA that fits your needs.