Health insurance given to employees of a company is usually different from the health insurance that we purchase ourselves. Companies would usually make their employees join a group health insurance plan. There are a few benefits that group insurance has compared to the individual one. It can be cheaper, provide more coverage, has smaller deductible, or perhaps you won’t need to go through medical examination to get one.
Moreover, you may get rejected from obtaining an individual insurance because of various reasons. But what if you’re not an employee in a company? Following these two ways may help you get your group health insurance.
Become a Member of Associations
Numerous associations provide group health insurance for their members, and all you have to do is join one. It may not be easy to join one however, and you have to take membership fees into consideration before making this decision. Taking membership fee into account, it may cost you less to just pay for an individual health insurance instead.
It’s advisable to join an association that is related to the field of your work, so it’ll be easier for you to meet the requirements and you’ll get more benefits other than the group health insurance plan.
Purchasing a Small Group Health Insurance
It is possible that your insurance company provides small group health insurance if you’re self-employed. For example, if you own a small business with at least one employee, you and your employees will be eligible for this type of insurance. All you have to do is contact an agent of the insurance company to sign up for it.
Even if you’re not an employer, some insurance companies provide group health insurance for one person. Whether it is available or not usually depends on the region where you live. You can contact your insurance company to see whether you can sign up for group health insurance without being an employer.
These are the ways you can obtain a group health insurance and enjoy its benefits. Take note that it is not always advisable to take group health insurance instead of an individual one. Each type of insurance has its benefits, and you have to make sure to select the one that suits your needs the most. Before making the decision, it is best to consult one of our agents to know which one will be more beneficial to you.
Roper Insurance Services has its clients as their first priority with affordable rates and comprehensive policies. To learn more about how we can help you please contact our agency at (828) 697-6709 or Click Here to request a free quote.