We represent many companies in order to find the best solution for each person.  Individual health insurance options differ from group health insurance in both coverage and medical underwriting. Our job is to listen to you and offer options that meet your specific needs in an affordable way.

Considerations for health insurance needs:

• Do you want to have copays for doctor visits and prescriptions?
• What do these copays actually pay for? Does it cover services other than the physician’s charge, like lab work or x-rays?
• Do you want more of a high deductible catastrophic coverage?
• With a high deductible policy do you want to pay for medical expenses through a tax deductible HSA account?
• Medical underwriting questions? How will my health affect my coverage possibilities?
• Did you know that because of health reform many preventative benefits are covered with the deductible waived?
• Are you self- employed? 100% of your premiums are tax deductible

The Agency of Terry Warner has all of your Individual Insurance needs covered. Please call or email us to go over your options and help you make educated choices.

For information and to enroll in a Health Savings Account click HERE.