Individual Health Insurance

 Due to changes with health reform, more people than ever before are enrolling in individual health insurance policies. The agents at Secure Capital Benefits Company is here to help you navigate through the complicated process of determining which program will fit the needs of you and your family. 

 There are several different kinds of health insurance plans, and each of these plans has a number of unique features. 

 Typical features of an HMO include paying for insurance coverage for a monthly or annual fee. Premiums tend to be lower for HMOs because health providers have patients directed at them, but the disadvantage is that subscribers are limited to accessing a network of doctors and other healthcare providers who are contracted with the HMO. 

 A PPO is a type of insurance plan in which medical professionals and facilities provide services to subscribed clients at reduced rates. Healthcare providers that are part of this network are called preferred providers, or in-network providers. Subscribers of a PPO plan have the option of seeing healthcare providers outside of this network of providers (out-of-network providers) but the rates for seeing these providers are more expensive.

And there are more plans. Let us help you figure it out.