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Comprehensive Individual Health Insurance Plans by Marlow Campbell Insurance Group

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Secure Your Health with Individual Insurance from Marlow Campbell Insurance Group

Many Americans rely on employer-provided health insurance. However, individual health insurance is a viable alternative if you don't qualify for an employer-sponsored plan or find it too costly or restrictive.

Understanding Individual Health Insurance

Individual health insurance is coverage you purchase independently, either for yourself or your family, rather than through an employer or government programs like Medicare, Medicaid, or CHIP.

Coverage Offered by Individual Health Insurance

Here are some common services and treatments typically covered:

  • Outpatient care, including visits to doctors.
  • Pregnancy and maternity care.
  • Mental health and substance abuse treatment.
  • Prescription medications.
  • Emergency room visits.
  • Hospital stays.
  • Services and equipment for recovery after injuries.
  • Laboratory tests.
  • Pediatric services, including children's dentistry and vision care.

To learn more about what specific conditions are covered under your plan, contact Marlow Campbell Insurance Group in Apex.

Factors Influencing the Cost of Individual Health Insurance

Several factors, regulated by law, influence the cost of individual health insurance plans:

Insurance costs increase with age. Children under 14 are usually added at no additional cost, but premiums rise once they turn 15.

Health insurance premiums differ by state and area. For instance, a resident in Miami-Dade County, Florida, might pay less for the same policy than someone in Jackson County, Florida.

Smoking and Tobacco Use
Depending on state regulations, smokers may see their premiums rise by up to 50%.

Number of Insured Individuals
The total cost is also affected by the number of people covered under the policy, their ages, and tobacco usage. A family of three, for example, will pay more than an individual.

Making the Right Choice

When comparing individual health insurance policies, consider both coverage and cost. Our professionals at Marlow Campbell Insurance Group in North Carolina are prepared to help you locate the ideal health insurance plan. We are available to answer any questions you may have and help you make an informed choice.

Contact Marlow Campbell Insurance Group today for personalized assistance with your health insurance needs.

Already have Individual Health Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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