Individual and Family Health Insurance
Individual health insurance is health coverage that is purchased by an individual or a family and is not tied to a job or a group of policyholders.
Many people get health insurance through their employers. However, if you do not currently participate in your employer’s health plan, or if your employer doesn’t offer coverage, obtaining individual insurance is a good route to go to ensure that you and your family will receive affordable routine health care and will be protected from very high costs in the event of a medical emergency.
Get the care you need
If you don’t have insurance and can’t afford to pay out-of-pocket, you might have to skip or skimp on medical care for yourself or a family member. Having health insurance ensures you can get the care you and your family need. In addition, health insurance helps you pay for routine and preventive health care to keep you healthy in the first place.
- Health insurance covers many preventive services without you having to pay a deductible or copayment. Preventive care is intended to prevent or catch diseases and other health problems before they become serious. Preventive services that are covered in full include various health screenings and immunizations.
- Having health insurance will also help you pay for prescription drugs, either through reduced fees or copays.
Trust UNICO for help selecting the best health plan for you
With all the different health plans available out there, it can be difficult to select the plan that best meets the needs of you and your family, and, ultimately, your budget. While it can be tempting to pick the plan with the lowest premium, you don’t want to be is surprised by high out-of-pocket costs or network restrictions when seeking medical care.