With the unemployment rate in the Untied States quickly approaching 10%, the importance of understanding individual health insurance is ever growing. Even people who are employed are seeing more small businesses are craving out benefits for their spouses and dependents or eliminating the employee benefit program altogether.
Group coverage is a guarantee issued policy with matnerity coverage and a comprehensive prescription drug benefit. This is the only way to go if you are dealing with a preexisting condition. Individual coverage is completely different, you need to fill out an application which the insurance carrier reviews and compares to your previous medical history. At this point, the insurance carrier has the right to adjust your premium amount or deny you altogether.
Gizmo Health agents are explain the details between group and individual coverage. Call a Gizmo Health representative at 1-312-884-5150 or visit www.gizmohealth.com.
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