Individual health insurance is medically underwritten. That means that the insurance company will gather all applicable medical information on you and or your family to determine if they can offer you an individual plan. Pre-existing conditions are often eliminated and in some instances coverage can be denied.
COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985) guarantees a continuance of coverage when you leave your employer. This coverage is made available for 18 months after you leave. You have a 60-day window after termination of employment to shop for your own individual health plan. This window of time is critical to the insurance shopping process. If you have any thought of leaving your employer then it is imperative that you investigate the availability of individual health insurance.
Personalized Healthcare, Nationwide
Since 1929, Blue Cross Blue Shield (BCBS) companies have provided healthcare coverage to members, allowing them to live free of worry, free of fear. In every ZIP code, Blue Cross Blue Shield offers a personalized approach to healthcare based on the needs of the communities where their members live and work.
They work closely with hospitals and doctors in the communities they serve to provide quality, affordable healthcare.
We understand and answer to the needs of local communities, while providing nationwide healthcare coverage that opens doors for more than 107 million members in all 50 states, Washington, D.C., and Puerto Rico.
Nationwide, more than 96 percent of hospitals and 95 percent of doctors and specialists contract with Blue Cross Blue Shield companies– more than any other insurer
The need for affordable individual health insurance is becoming more prevalent because of the rising numbers of self-employed. Entrepreneurs are changing the landscape. Home-based businesses are growing at a phenomenal pace.
The enormous growth of small business has generated a greater demand for individual health insurance. This is a first time experience for many of these new start-ups. Group health insurance is provided by the employer. The employee that is enrolled in the company group health insurance plan rarely examines the coverage or the cost. This changes dramatically when they are forced into purchasing their own individual plan.
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