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Coverage You Can Count On Our team at Daniel Insurance will work with you to find the right plan and coverage for you as an individual or as a family. We can also assist you with larger group plans for your business needs. |
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| Health Insurance What is the difference between individual and group health insurance coverages? An individual policy is purchased by you directly with the insurance company. With a group health insurance policy, the group is the master insured and the insurance company contracts with the group. Insurance certificates, issued to a participating member, act as your policy. Often group health insurance costs less than would have been charged had the insurance company sold individual policies to each member separately. In addition, group health insurance often contains special coverages that are not available or are very expensive on an individual basis. The purchasing power of the group makes this economically feasible. |
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| What are some of the indiividual health insurance policies that are available? There are a variety of policies which insurance companies offer on an individual basis. Please speak with one of our agents to see if the coverage you are looking for is available. Some of the more common types of policies include: Major Medical - provides coverage for doctor visits, surgery and hospitalization or ongoing illnesses. Hospital and Surgery - provides coverage solely related to hospital stays Hospital Confinement Indemnity - a policy designed to pay a set amount Specified Disease - covers costs associated with a single disease, such as cancer, AIDS, heart attack, etc. Short-Term - typically a major medical policy but with coverage lasting only Accident Only - provides coverage for doctor visits, surgery and hospitalization resulting from an accident (no coverage for disease or illness). Dental - provides coverage for costs associated with dentists and orthodontists. Vision - provides coverage for sight correction |