Welcome to the health insurance section of our Web Site. This section covers the basics of health insurance. If you would like to get an individual health insurance quote or a group health insurance quote simply complete and submit the appropriate form.
- Individual Health Insurance Quote
- Group Health Insurance Quote
A healthy lifestyle can help prevent chronic diseases and long-term illnesses. But health issues can still arise that need attention. Health insurance can help you cover medical fees and provide you with a network of doctors, often at lower rates than practitioners outside your network.
What Is Health Insurance?
Health insurance is a contract between you and your insurer. Your insurance company covers a portion of your medical costs, including doctor visits, hospital services, surgery and prescription drugs, and in exchange, you pay a monthly premium. You gain a layer of protection from high out-of-pocket medical costs with health insurance.
You are not required to carry health insurance, but unexpected medical costs can be financially devastating without coverage. Many people choose to purchase health insurance because:
- It helps safeguard their finances.
- It gives them a network of doctors and hospitals at negotiated lower rates.
Can I Get Individual Health Insurance?
You may choose to get health insurance through your employer, but you don’t have to participate in their health plan. If your employer doesn’t offer health coverage or you want your own insurance, you may wish to obtain an individual health insurance policy. By doing so, your health insurance isn’t connected to your job or a group of policyholders.
There are various ways to get individual health insurance. A few ways include joining someone else’s plan, obtaining through an insurance company, using Medicaid or another state program (if eligible) or purchasing a Marketplace plan through an approved provider in your state.
Our team at Lohman Companies can help you review your insurance options to make an informed health care coverage decision.
Contact Us Today
With so many health plans available, you need a guide to help you choose a plan that best meets your health care needs—and budget. Lohman Companies can help you evaluate your choices to select an insurance plan that meets your health care needs. Call us today at 309-764-8331 to start the conversation.