Individual & Family Health Insurance

The Forbes Insurance Agency is in the business of helping individuals find health coverage that fits them personally – a custom fit that will take into consideration each individual and his needs, whether that is insurance for him, or for a family. Sometimes, when an individual is covered with health insurance by his employer, his family may not be. In such a case, we offer the family members coverage. Or, we can separate policies within a family when one of the family member’s health conditions increases the premiums for all the other family members.  

Whatever your situation, we will work diligently with you to find the best fit for your insurance needs. If your employer does not offer a health plan, or does not offer a plan that fits you, you should purchase health insurance on your own.

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

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.

Why Do You Need Health Insurance?

As of July 2008 there were over 304 million people in the United States, and according to the most recent US Census Bureau, 15 % of the population, or over 45 million people were without health insurance coverage. This is a scary statistic!  Everyone needs health insurance, even if they are young and healthy.

Remember, an accident is never a planned event and a serious illness may come very unexpectedly. These things happen, and besides facing the situation, we are left facing the question of how we are going to pay for it.  It is during this time of medical need that everyone should have some level of financial protection…Health insurance is one type of protection you can’t do without.

 We all will need medical attention; some people need it more regularly than others but health insurance is one type of protection you can’t do without. Different types of coverage pay for different things, but the main reason you need health insurance is to protect you from catastrophic debt. Unfortunately, up to 50% of bankruptcies are the result of unpaid medical expenses. 

What Will It Cost Me To Go Without Insurance?

Health care is expensive and on the rise! The truth is, given the cost of health care today, even preventative care and minor procedures can add up to major bills. To gain a better understanding of what health care might cost you without health insurance, you can view the following website: https://www.mymedicalcosts.com/ and see some typical costs in your area.  It might surprise you to see the actual cost of many common medical procedures. You really cannot afford to be without some type of coverage!

What is the Best Type of Health Insurance to Have?

The best health insurance policy to have is the one that covers enough of your medical expenses that you are protected from debt. However you don’t want a policy that will make you poor by paying too much for coverage that you don’t need. The Forbes Insurance Agency will help you find the right fit. We are an Independent Agency representing multiple insurance carriers-some of the best known insurance providers in the industry, such as United Health Care/Golden Rule, Assurant, Humana, Aetna and Mutual of Omaha. Each of these companies are “A” rated by A.M. Best Company and offer plans that have at least $3 million in lifetime benefits per person.

All these companies offer many levels of deductibles and co-insurance and in most cases they have a plan to fit most everybody.   If there is a situation in which coverage is hard to get due to health issues, we can pursue a guaranteed issue health insurance policy to get you the coverage you need.  It is our promise that we will work with you and help you find health coverage for your protection and your peace of mind! 

Give us a call and we will be happy to help you with your insurance needs. Call: 843-297-8162