Having insurance for you and your family comes with peace of mind knowing that you are covered the instant you need it. eBen offers consulting for individuals and families who need assistance outside of their group benefits program.
What Is Individual Insurance?
Individual insurance is an insurance policy that is not associated with a group policy. Individual insurance is usually used to describe a plan purchased away from the office, although some employers may assist employees with purchasing an individual insurance plan that meets their precise needs. This is particularly the case when the employer’s group plan does not offer the benefits the employee requires. An individual insurance plan may be purchased along with an employer-group insurance plan or as a stand-alone policy.
Types Of Individual Insurance Plans With eBen
eBen offers services to assist with a range of individual insurance plans. Some of the more notable insurance plans include short-term medical, individual medical, individual dental, vision, life and Medicare products.
Individual medical plans are insurance plans that are more comprehensive and long-term without any pre-existing conditions so will cover all health conditions regardless. There are NO health questions with these ACA (Affordable Care Act) plans so no limitations which is better than a short-term medical plan. Some employees may prefer an individual medical plan as it may offer more flexibility and options. In other cases, an employee or dependents may find it beneficial and provide peace of mind to know the individual medical plan, that offers a more long-term solution that, in most cases, continues even if the employee leaves the company they are with currently.
Short-Term Medical Insurance
Short-term medical insurance provides medical care coverage for a shorter period of time. These plans are typically from six months up to a year and even 2 to 3 years if needed. Short-term medical plans are most often used to bridge a gap between policies or if the employee is unsure of their long-term health insurance needs. There are health questions required for enrollment but are not tied to income for any subsidies so it does not affect taxes. These can be a good option for high-income earners between jobs that do not take a lot of medications.
Individual dental insurance is similar to individual medical, aside from the plan covering dental services and treatments rather than healthcare services and treatments. A dental plan, meaning a plan not a part of the group employer-sponsored plan, may be an option for individuals and families as an individual plan. A typical individual dental plan will pay for cleanings as well as basic and major services. eBen can assist your company with establishing an individual dental insurance option for employees at your company.
A vision individual plan, meaning a plan not a part of the group employer-sponsored plan, may be an option for your employees for hardware coverage which covers glasses and contacts, if not offered on the employer plan. Individuals and families vision plans can be used along with a group medical plan that offers vision exam coverage. eBen can assist your company with establishing an individual vision insurance option for employees at your company.
Medicare products are important for many who are Medicare eligible. Our team at eBen can help consult employees or dependents with questions regarding Medicare enrollments, penalties and other concerns. We take time to educate these individuals as needed so that they do not have to worry about lifetime penalties. If the employee is planning on retiring we can walk them through the process to make a smooth transition.
Why Choose eBen For Your Individual Insurance Needs
eBen has multiple decades of experience helping individuals and families obtain generous coverage options when needed for new hires, dependents or whenever needed. Individual insurance plans are often harder to establish than group offerings, and we can assist you with the complexities that may arise throughout the process. We have formed relationships with various reputable insurance carriers, and we can help ensure you are able to achieve your precise company goals and fulfill your company needs through our consulting services.
Are You Ready To Start Your Individual Insurance Plan?
If you are considering an individual or family insurance plan, then contact eBen today by phone or message to find out more and to get started. We personalize our services, and we can ensure your insurance goals and needs are met.