Health Insurance in Weatherford, TX

Individual health insurance is a type of coverage that you purchase on your own rather than through an employer or a government program. This type of insurance is essential for those who are self-employed, unemployed or whose employers do not offer health benefits.

What Is Individual Health Insurance?

Individual health plans can cover medical expenses such as doctor visits, hospital stays, preventive care and prescription medications. The specifics of these policies can differ significantly in terms of coverage, cost and the network of health care providers.

Types of Plans

There are several types of individual health insurance plans, including:

• Health maintenance organization (HMO) plans typically require using a network of doctors and hospitals. You need a referral from your primary care physician to see a specialist.
• Preferred provider organization (PPO) plans typically offer some flexibility in choosing health care providers and may not require referrals for specialists.
• Exclusive provider organization (EPO) plans are similar to HMOs but do not require referrals. However, you must use the network providers except in emergencies.
• Point of service (POS) plans typically combine features of HMOs and PPOs. You need a referral to see a specialist, but you can visit out-of-network providers at a higher cost.

Choosing a Plan

Before choosing an individual health plan, consider the following factors:

• Premiums—This refers to the monthly cost of the insurance.
• Deductibles—This is the amount you pay out-of-pocket before the insurance starts to cover expenses.
• Co-payments and co-insurance—This is your share of the costs for covered services.
• Network—These are the doctors and hospitals that are covered under the plan.
• Coverage—This refers to the range of services covered, including preventive care, emergency services and prescription drugs.

Benefits of Individual Health Insurance

Individual health insurance can help ensure you have access to necessary medical care without facing exorbitant costs. Knowing you are protected against unexpected medical expenses can offer peace of mind.

Learn More

Contact Associated Insurance to discuss your health insurance options.