Individual Health

If you do not have access to a group insurance plan (i.e. from an employer) or you are not eligible for Medicare, we have access to several insurance companies and plans that should meet your needs. Individual Health Insurance is health coverage that you purchase from an insurance company for yourself and/or your family members.

Most people buying Individual Health Insurance in Washington State will need to complete and pass a Standard Health Questionnaire. If you are curious as to whether or not you will need to complete the questionnaire, give us a call and we will explain the exceptions. This questionnaire is a series of Medical related questions used to determine your potential enrollment in the plan. However, Health Care laws are changing due to the Health Care Reform. Please call us for assistance.

Individual Health Insurance companies offer several different types of plans and often differ based on geographical area. You and/or your family’s rates depend on several factors including: age, smoker or non-smoker, the size of your family (how many people you want to cover) and the amount of your deductible. Generally, the higher the deductible selected the lower your monthly payment.

Individual Health Insurance Pointers

Choosing the Right Individual Health Insurance Plan:

• Do you have “pre-existing” conditions?
• What is the right level of your plans’ deductible?
• What Individual Health insurance plans do your physicians accept? Your specialists?
• Is your primary objective to find comprehensive coverage or the lowest premium?
• Is the deductible within your financial needs and preferences?
• Do you occasionally travel outside of the United States?
• Do you occasionally or regularly take prescription drug medications?

Choosing the Right Insurance Agency:

• Is the insurance agency independent or do they only represent a single insurance company?
• Do they work with your physician to make certain the coverage you choose is accepted?
• Do they assign a specialist to address your health insurance needs?

Why should you consider VibrantUSA to assist you in identifying your Individual Health Insurance Solution? Here’s why:

• We are a local family-owned company dedicated to your needs.
• We are the preferred agency for hundreds of Family Physicians.
• You are assigned your own personal Insurance Specialist who is an independent agent able to address your questions.
• We verify insurance plans accepted by your physician prior to accepting an application.
• We are extensively trained and certified on all of the products that we represent.
• We have access to many insurance companies with more than 20 plan variations.
• There is no charge for our services.

Our Individual Health Insurance Providers

• Assurant Health (Washington Residents)
• Asuris Northwest Health (Eastern Washington Residents)
• Group Health Cooperative (Washington Residents)
• Regence BlueShield (Western Washington Residents)