NORCROSS, GA, October 11, 2012 (Press-News.org) McCart Insurance, a Georgia health insurance provider and broker for Coventry One health insurance, would like to discuss the differences between signing up under your company's group health insurance plan and seeking out your own individual plan.
Group health insurance is designed to spread the risk of claims over an entire group of individuals, instead of one single person. Every individual in the group pays the same rates, but not everyone will make a claim, which reduces the risk of claims and spreads the cost across the board, which means that the insurance provider is able to maintain a profit.
Individual health insurance in Georgia only covers the individual and their dependents. This means there is more risk for the insurance company to pay out claims, instead of being able to average the claims over an entire group of people.
Individual health insurance policies can be customized to fit your every need, whereas group policies cannot. Individual policies are especially beneficial for families or individuals who have specific coverage needs that their company's group plan cannot provide.
Individual health insurance is also the best option to ensure that your health coverage is uninterrupted. When you are on a company's group plan, your coverage is largely dependent on your staying a part of that group, and thus a part of that company. With an individual policy, you are covered whether you choose to find greener pastures or a pink slip comes your way.
Group health insurance policies do tend to be lower in cost, and will be automatically deducted from your paycheck each month, while individual plans can be more expensive and come directly out of pocket. However, with that expense comes the freedom to customize your plan and not depend on the group plan.
"Group insurance has its good points and bad points, but as an employee you have the right to make an informed decision on whether you want to join that group or have your own insurance plan," states Alicia McCart, CEO of McCart Insurance, a Georgia health insurance provider and broker of Coventry One health insurance. "Ultimately, the health insurance you pick will depend largely on your individual coverage needs."
The experienced staff at McCart Insurance makes it easy to find affordable individual health insurance in Georgia. With over 40 years of Georgia health insurance experience, the staff at McCart Insurance is ready to help you with your health insurance needs.
For more information on Coventry One health insurance and McCart Insurance, visit http://www.mccartinsurance.com/.
About McCart Insurance:
For decades, McCart Insurance has helped Georgia individuals and families to select their ideal Georgia health insurance plans, including plans from Coventry Healthcare of Georgia. McCart Insurance is a family owned and operated business with over 40 years of experience in the personal insurance field.
As a Coventry Healthcare of Georgia health insurance provider, McCart Insurance will find the perfect insurance plan for you and your family for the best price.
For more information, please visit http://www.mccartinsurance.com/.
For all media inquiries, please contact:
Anne DeVito
Lead Content Developer
Cardinal Web Solutions
http://www.CardinalWebSolutions.com
McCart Insurance Discusses Whether You Should Take Your Company's Group Plan or Seek an Individual Plan
Georgia health insurance broker McCart Insurance discusses whether you should sign up on your company's group plan or seek individual plans.
2012-10-11
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[Press-News.org] McCart Insurance Discusses Whether You Should Take Your Company's Group Plan or Seek an Individual PlanGeorgia health insurance broker McCart Insurance discusses whether you should sign up on your company's group plan or seek individual plans.