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Today, health care costs are high, and getting higher. Who will pay your bills if you
have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of
insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case
you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good
year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of
your costs are covered.
Individual Insurance
If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an
individual policy. You can get fee-for-service, HMO, or PPO protection.
If you get a noncancellable policy (also called a guaranteed renewable policy), then you will receive individual
insurance under that policy as long as you keep paying the monthly premium. The insurance company can raise the
cost, but cannot cancel your coverage. Many companies now offer a conditionally renewable policy. This means that
the insurance company can cancel all policies like yours, not just yours. This protects you from being singled
out. But it doesn't protect you from losing coverage.
Before you buy any health insurance policy, make sure you know what it will pay for...and what it won't. To find
out about individual health insurance plans, you can call insurance companies, HMOs, and PPOs in your community,
or speak to the agent who handles your car or house insurance.
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We are licensed in all 50 states of the United States of America and the country of Bermuda
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Wirtz Insurance Agency, Inc., 680 North Lake Shore Drive, Chicago, IL 60611
For more information call (312) 943-7000 or e-mail us
© 2000-2010 Wirtz Insurance Agency, Inc. - All Rights Reserved
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