Mr. Health Insurance of Maryland

Many people are unable to access health insurance coverage because it is not offered by their employer or because they are self-employed. Group insurance is almost always more expensive than individual coverage so if the employer is only paying part or even all of the premium for the employee only, it is often less expensive to insure family members separately.

What is individual health insurance? Individual health insurance is a type of health insurance coverage that is made available to individuals and families rather than to employer groups or organizations. You will be pleasantly surprised by the affordability and the variety of insurance options that are available to individuals and families.

The best way to start your search for an individual health plan is to contact a local independent agent. Independent insurance agents such as Mr. Insurance of Maryland are registered with the state department of insurance. In addition, you can begin your search for an affordable plan without compromising quality right here on this web site. There is a wide range of coverage levels available under individual health plans and you will have numerous options available to choose from because your employer is not pre selecting certain plans and limiting your options. As a result, it is important that you choose a broker who will help you understand the terms of your individual policy and explain them to you clearly. You don’t want to wait until you are sick to discover that your policy does not cover the services you need!

Here are a few things to look for in an individual/family policy:

• Guaranteed Renewable: Your health insurance can not be cancelled if you become sick as long as you continue to pay the premiums.
• Clearly Defined Terms: You want to know what is covered, what is not covered, and when the coverage starts.
• Portability: You can carry the plan with you even if you make a job change, relocate within your state, etc. No new application is needed!

There are many choices available to you and Mr. Insurance of Maryland will help you make the right choice. We are educators first so you will be well informed of your options and we are your advocate once you become our client. Serving as your broker, Mr. Insurance of Maryland will make sure you have a clear understanding of the terms of your policy and we will assist you further by handling all claims for you.

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