Health Insurance

While an individual or family health insurance policy may cost more than a group policy, it is certainly better than not having health insurance coverage at all. An unexpected illness or serious injury can cause a family’s financial ruin if at least some basic coverage is not in place.

Most insurance companies offer the same types of managed healthcare plans to individuals that they offer to groups: HMOs (Healthcare Maintenance Organizations), PPOs (Preferred Provider Organizations), and POSs (Point of Service Plan).  Generally speaking, these companies offer different deductible levels to keep premiums within the policy holder’s budget. Unlike group insurance, which is made available to individuals regardless of their health status, in the case of individual of family insurance policies, almost all insurance companies require extensive questioning regarding medical history - and sometimes a physical exam - in order to qualify for individual or family insurance.

The Carlisle Insurance Agency is here to assist you in finding a plan that protects you and your family while staying within your budget. Please contact us today to help evaluate your health insurance options.