Health Insurance

Shop and Compare - You’ve come to the right place for your health insurance needs. Whether it’s basic or comprehensive coverage you want, for yourself or your family, this site will give you the opportunity to compare plans offered by most of the health insurance carriers in Virginia. If you need assistance, please call me at 866-294-8379 or 540-777-0235.

To get a quote or apply on line, simply click on one of the links below:

Anthem Blue Cross & Blue Shield	Aetna Insurance Company	Celtic Insurance Company
Golden Rule Insurance Company	Humana Insurance	John Alden Insurance Company
Time Insurance Company	World Insurance Company

I’m here to help! Don’t go another day without protection against the high cost of medical care. If you have any questions, call me at (866) 294-8379 or contact me via email. I’ll get back to you as soon as possible.

Individual Health Insurance Plans

The Growing Importance of Individual Policies

Most Americans have become accusomed to receiving health insurance coverage through their emloyer. The employer usually pays at least 50% or more for plans that offer benefits (many of whom you will never use) and price tags that are escalating to the point that many small employers can no longer offer these benefits.

As a result, more and more people are having to make decisions about their health care coverage that at one time was done by their employer. It can create confusion and anxiety in the minds of some people because of the misinformation readily available concerning individual health insurance.

Should I Purchase Individual Health Insurance

The first question is should I purchase my own coverage or go without? In the individual market you need to purchase coverage before you need it, because if you wait until you need it, you may not be able to get it. Insurers can decline or rate up applicants due to health conditions.

The Advantages of Individual Health Insurance

Individual health insurance has several advantages versus group coverage:

1. You can tailor your health plan to fit the needs of you and your family.
2. You can take the coverage wherever you go; it is completely portable.
3. If you are in good health, it is a less expensive than group.
4. The poor health of one of your fellow employees does not affect your cost. You pay only for the health costs of you and your family.

For many of us, individual health insurance makes a lot of sense. Why not give it a try? For a free quote, or to apply online, simply click on one of the links above.