Individual Health Insurance l Design a Plan l Short Term Medical Insurance

LET'S DESIGN A PLAN

Howell Health & Life Insurance offers health insurance plans designed specifically for individuals, the self employed and their families.

INSURANCE OPTIONS AVAILABLE ON MANY OF OUR MAJOR MEDICAL PLANS:

Your Choice of deductible options

Doctor visit co-pay

Choice of  Prescription co-pay plans

100% coverage after your chosen deductible / co-insurance

Up to $5,000,000 per person lifetime maximum / ALL Major Med Plans

OUT OF POCKET MAXIMUMS

Many Plans have Choice of Networks so you can keep your local doctor

Many Plans can include “On the Job Coverage"

ASSOCIATION BASED* PLANS CAN INCLUDE:

$5000 Accident Provision

$5000 Critical Illness on primary member and spouse

Vision Program

Emergency Air Transportation

LIMITED BENEFIT PLAN PROGRAMS CAN PROVIDE:

Valuable benefits and discounts for clients with medical conditions

Fully insured benefits for specific medical needs and situations

Cash indemnities to offset expensive medical costs

ANCILLARY PRODUCTS CAN:

Cover deductibles for you

Provide money to pay your bills while you or a family member isn’t able to work

Provide additional Life Insurance if the worst happens

Provide Dental coverage or even stand-alone Rx coverage

FIELD UNDERWRITING EXPEDITES YOUR APPLICATION

Some of our carriers allow us to actually estimate costs including pre-existing conditions into your plan up front, so there are no surprises later. Some will give us a clear picture of what they will do in underwriting with a specific condition so we can tell you with greater accuracy what your actual cost will be after underwriting.

Field Underwriting benefits you!

• Include pre-existing conditions directly into your plan for an ACCURATE QUOTE!
• Ensure the best available coverage for your family
• Expedite your application

We need to discuss any current or previous health issues, treatment, and prescription or non prescription drug use in the past five to ten years, depending on the specific circumstances, in order to find a product that works for your situation. * Not all Plans are Association Based

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