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LATEST NEWS9.24.2008
www.sfgate.com
When it comes to health insurance, Americans are paying more for
less, study finds...
9.24.2008
www.marketwatch.com
State Farm Insurance(R) and Assurant Health have renewed the
national marketing alliance that makes Assurant Health's individual
medical insurance products available through State Farm agents
nationwide...
Meet our Brokers
Our brokers are available and ready to help you. If you would like to contact a specific broker or receive a quote, feel free to go to their individual page, which can be found on our brokers page.
Meet the Carriers:
A brief intro on the history and reputation of some of the leading health insurance companies in the country.Assurant Health Insurance:
Individual health insurance leader in major medical insuranceAbout Assurant Health
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small group, short term and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country. The Assurant Health Web site is www.assuranthealth.com.
Our Beliefs
Assurant Health is built on the cornerstone of consumer choice - providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers. With more than 200,000 local agents that are dedicated to supporting their customers. Assurant Health has a reputation of integrity in honoring its commitments to customers.
Size, Stability, Strength
- Assurant Health is a leader in the individual medical health insurance market.
- Assurant Health's underwriting companies are among the top sellers of temporary health insurance in the U.S.
- Assurant Health's underwriting companies are among the leading independent providers of health insurance to small businesses, individuals and their families, with almost one million covered lives.
- Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of HSAs.
- Assurant Health has developed a portfolio of Health Reimbursement Arrangements (HRAs) for small employer groups.
- Assurant Health's legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent).
Source: A.M. Best Ratings and Analysis, June 2008.
Assurant, Inc.
Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and selected international markets. Its four key businesses - Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property - have partnered with clients who are leaders in their industries and have built leadership positions in a number of specialty insurance market segments worldwide.
Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $26 billion in assets and $8 billion in annual revenue. Assurant has more than 14,000 employees worldwide and is headquartered in New York's financial district. The Assurant Web site is www.assurant.com.
From individual health insurance, insurance for the self
employed, to major medical coverage and short term health insurance
we will provide you with a quick and accurate health insurance
quote today. You can get health insurance quotes with Blue cross
blue shield, assurant, golden rule, humana one, celtic and many
more.
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HumanaONE:
An individual health insurance leaderAbout HumanaOne
HumanaOne offers affordable health insurance coverage for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, and early retirees, and those who may be uninsured. HumanaOne is a division of Humana Inc., one of the nation's largest publicly traded health benefits companies, with over 11 million medical members.
HumanaOne offers flexible "build-your-own" health insurance plans that let consumers choose from many of the features usually found only in group health plans, such as negotiated rates, wellness benefits, and special discounts.
Blue Cross Blue Shield:
A brief overview of a well know health insurance carrierAbout the Blue Cross and Blue Shield Association
The Blue Cross and Blue Shield Association (BCBSA) is a national federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield companies.
For more than 70 years, the 39 Blue Cross and Blue Shield companies have provided millions of families with top-quality, affordable health insurance.
- Represents the nation's oldest and largest family of health benefits companies.
- BCBS Brands are the most recognized in the health insurance industry.
- Headquarters in Chicago with offices in Washington, D.C.
- More than 880 employees.
- BCBSA Departments and National Programs.
BCBS Companies
Collectively, the 39 Blue Cross and Blue Shield System provides healthcare coverage for more than 100 million people or one-in-three Americans.
- 39 Blue Cross and Blue Shield companies.
- Among the 20 largest employers in the U.S.
- Healthcare coverage available in all 50 states, the District of Columbia and in Puerto Rico.
- Nationwide, more than 90 percent of hospitals and 80 percent of physicians contract with BCBS companies – more than any other insurer.
BCBS Healthcare Coverage
Blue Cross and Blue Shield companies offer a variety of insurance products to all segments of the population, including large employer groups, small businesses and individuals.
- 71.6 million in PPOs.
- 11.7 million in traditional, fee-for-service programs.
- 14.8 million in HMOs.
- 4.8 million in point-of-service (POS) products.
Affordable health insurance seems to be getting harder and harder to obtain. The rising cost of health care for the common person has lead to increased premiums as insurance companies need to cover the costs of more expensive treatments and the increased costs for everyday health care. This means that most people are discovering that it is harder to find health care (especially individual health care) that is both affordable and covers both their everyday needs and major medical needs. This doesn't mean that affordable health care is impossible to find, it is just a little more difficult. This is were a good health insurance broker comes in handy. They are familiar with a great number of insurance companies and can help you to find a policy that you will find both economical and comprehensive. Let them find you affordable health insurance.
Cheap Health Insurance
Cheap health insurance seems to have become the holy grail to many individual health insurance seekers, both as desirous and as difficult to obtain. People can spend hours on the phone and online trying to find that elusive cheap health insurance policy. They will spend considerable time trying to both get and understand information about possible policies: attempting to figure out what is covered, what the benefits are and what the restrictions are. And occasionally they do find that perfect policy but often they just end up tired and frustrated. And while a truly cheap health insurance policy is only going to get harder to find, it is still possible to find affordable individual health insurance. Contact our brokers, they really can help you find good health insurance without your needing to search the four corners of the earth for that truly cheap health insurance.
Online Health Insurance
Online health insurance quote. This is becoming a more and more popular search term on internet search engines these days. Let's face it, it is the digital age. People are going online to find everything from kitchen appliances to cars. And now they are searching for their health insurance needs online as well. They are doing it not just because it is cool, but because it is a great resource. You can quickly and easily find information about insurance companies, health insurance plans, and who is a responsible supplier of individual health insurance. Not only that but with some websites you can submit some basic health information and they will do the work for you, examining different insurance carriers and finding the right fit between you and an insurance company. With just a small investment in time you can find a policy that is right for you. So do it now, search online health insurance.
Self Employed Health Insurance
Self Employed people are often in need of individual health insurance. When you are self-employed you canUt rely on your company to supply your health care needs: you are the company. As such you need to find reasonably priced individual health insurance. This is by no means impossible, there are many companies who supply health insurance to the individual. The trick is to find a reputable company who can supply a policy which fits your needs but is still economical. Most self-employed people are starting up businesses and find that they donUt have wads of cash to spend on insurance, they need to make sure they have sufficient coverage but it also has to be economical. Many people find they can use the internet to find good coverage either by contacting the companies directly or using a broker who has the knowledge and experience to find them the right individual health insurance. So log on today and search self employed health insurance.
Family Employed Health Insurance
Family health insurance. When people think of looking for insurance not only for themselves but for their entire family, they may not think of individual health insurance. But not only is individual health insurance for the individual, it can be for the family. Most individual health insurance carriers have a plans for families. These family plans have advantages over placing each member of the family on a separate individual policy. In some cases the maximum out of pocket is lower, or the deductible only has to be met by two members of the family. There is also the advantage of a single bill and one policy. Often an insurance broker is both knowledgeable experienced with individual health insurance companies and policies. Our insurance brokers deal with not only families but individuals and can help you and your family find effective and economical family health insurance.
Health Insurance Quote
Health Insurance Quote are often the first step in obtaining health insurance. There is not a standard one size fits all for individual health insurance. There are a number of factors which affect an individual's health insurance premium. Some of these factors are age, gender, smoking history, and location. As you are investigating companies looking for an individual health insurance policy, you will receive a health insurance quote, which is an estimate of you premium for a particular policy based upon your basic health information. This will help you to decide which policy is right for you so you can chose health insurance which fits your needs and your budget.
Wisconsin, Michigan, Missouri, Arizona, Colorado, Illinois, Texas, Florida, Michigan, Pennsylvania, Ohio and North Carolina Insurance
Individual health insurance is state specific. Each state has slightly different laws and regulations governing the implementation of private individual health insurance. As such it is important, that if you are working with a health insurance broker, to find one who is both licensed and experienced with health insurance in the state you live in. They will know the ins and outs of that particular states health insurance policies. We have brokers who are licensed and can help you with Wisconsin, Michigan, Missouri, Arizona, Colorado, Illinois, Texas, Florida, Michigan, Pennsylvania, Ohio and North Carolina Insurance. In addition we can help you in many other states as well. Contact us and let our brokers help you to find you your ideal insurance policy. We know how individual health insurance varies from state to state and can assist you in your search.
Major Medical Insurance
Major Medical insurance is a form of health care coverage issued directly to an individual that covers most serious medical expenses up to a maximum limit (usually after a deductible and coinsurance is met). It provides coverage for both in and out of hospital medical needs. Out of hospital coverage may include emergency room services, prescription drugs and normal medical services. In hospital coverage can include physician services, hospital room charges, drugs, bandages and other supplies used, X-rays and other changes incurred while in the hospital. When you are searching for individual health insurance make sure it is comprehensive major medical insurance. You will have the peace of mind of knowing that you have protection if something bad happens. Should you use an insurance broker to help you find a policy that is economical and fits your needs make sure they know you are looking for major medical insurance.
Individual Health Insurance
Individual health insurance plans are health insurance plans sold directly to individuals. The purpose of this type of health insurance is to help someone to cover the costs of health care, especially with regard to major medical issues. It pays for all or part of a person's health care costs. These costs can encompass hospitalization (including surgery, hospital room costs, medical supplies, consultations, and other medical services) as well as non-hospitalization services such as emergency room visits, prescription drugs, and diagnostic scans. While many people belong to group health plans, many are not and still need insurance. So if you are looking for insurance and don't have the option of a group plan, consider individual health insurance.

