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Individual Healthcare Insurance in Kentucky, Indiana, Ohio, and Tennessee.

Because health insurance is one of life's most important modern necessities, no one can really afford to be without it. If you’re an individual in Kentucky, Indiana, Ohio, or Tennessee, that is leaving a job with health insurance benefits, working for a small company that does not offer a group health plan, or if you are self employed, finding individual health insurance coverage is an expensive and daunting task. Here at The Benefit Source we can help the individual find the best health insurance plan for them with a variety of carriers and plans to choose from.

Individual Healthcare Insurance Benefits Offered by The Benefit Source are:

  • Major Medical
  • Dental
  • Vision
  • Life
  • Disability
  • Accidental Death and Dismemberment

Some considerations in obtaining individual health insurance coverage are: Monthly premiums, co-payments, deductibles, age, smoker or non-smoker, and preexisting health conditions.

COBRA

COBRA - Consolidated Omnibus Budget Reconciliation Act
The COBRA Act of 1985 requires employers of 20 or more employees must continue health care coverage for terminated employees and for the widows, ex-spouses and dependents of employees, effective for plan years beginning after June 30, 1986. Find out more about specific laws regarding COBRA.

If COBRA is an option for you, in nearly all circumstances it's smarter to keep your former employer's health plan for the full 18 months. Paying the entire premium out of your pocket is costly, but it's usually cheaper than buying it on your own. Here at The Benefit Source we can help you find a more affordable COBRA alternative if keeping your employers insurance is not an option for you. If you continue your COBRA benefits, the insurance brokers here at The Benefit Source can help arrange a smooth transition to a COBRA alternative or an individual policy when the 18 month coverage ends. Because we represent many insurance carriers and individual policy services, we can match the best healthcare coverage to your individuals needs.

If you have any of the following health issues, you should seriously consider continuing your health insurance coverage under COBRA:

  • Have had recent and ongoing health problems.
  • Are taking expensive medications.
  • Have been turned down for private insurance recently.
  • Have a history of medical problems.
  • Have had an accident within the last 60 days.
  • Are pregnant or planning to become pregnant.
  • Have a new job and your new employer does not offer a health plan.

If you can’t afford your employers COBRA option and you meet any of the above conditions you should consider a COBRA alternative. You may wish to consider a COBRA Alternative if you...

  • Have no pre-existing conditions and want to continue coverage at a more affordable rate.
  • Have had no health problems.
  • Have not been told by a medical professional that you need to undergo a medical procedure in the future.