Individual health insurance plans are health insurance policies purchased by individuals to cover their healthcare expenses. These plans can be purchased by individuals who are not eligible for group health insurance plans, such as self-employed individuals or those who work for small companies that do not offer group coverage.
Individual health insurance plans typically provide coverage for a range of healthcare services, including doctor visits, hospital stays, prescription drugs, and diagnostic tests. However, the specific benefits and coverage levels vary depending on the policy and the insurance provider.
Individual Health Plan Options Explained for You
Choosing the right Health Plan can be confusing, but your local Mosley Mutuals agent is available to help you find the best care options.
Fee-For-Service Plans
These plans allow you to choose any doctor or hospital, but may require you to pay a deductible and coinsurance.
Health Maintenance Organization (HMO)
These plans require you to choose a primary care physician and get referrals for specialist care. They often have lower out-of-pocket costs but may have limited provider networks.
Preferred Provider Organization
These plans allow you to choose from a network of preferred providers or pay more to see out-of-network providers.
High Deductible Health Plans (HDHP)
These plans have higher deductibles but may offer lower monthly premiums. They are often paired with a health savings account (HSA) to help you save money for healthcare expenses.
Need Help?
Mosley Mutuals LLC is here to assist you in understanding the various options available through Health and Life Insurance Products to ensure that you live a happy and comfortable life. For the most comprehensive information, we recommend speaking with one of our licensed agents in your area, who can provide details on all the options available to you.
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DISCLAIMER:
Plans and products may not be available in all areas. Certain exclusions and limitations may apply.
This Website serves as an educational invitation for you, the customer, to inquire about further information regarding your health insurance options, and submission of your contact information constitutes as permission for a Licensed Insurance Representative to contact you with further information, including complete details on cost and coverage of this insurance. Contact will be made by a licensed insurance agent/producer or insurance company.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. This is a solicitation for Insurance.
Mosley Mutuals, LLC and their agents are licensed and certified representatives of a Health and Life Insurance organization. Enrollment in any plan depends on contract renewal.