Individual Health Insurance is a like a safety net; sometimes you don’t need it, but when you do need it, you really need it.

The costs of medical care are staggering. Those that do not have insurance end up paying a hefty price. However, the cost of individual health insurance often scares people away. Murray Insurance Agency specializes in helping individuals and businesses find affordable health insurance that will provide the coverage they need.

If your employer does not offer group insurance or if the insurance offered is very limited, you can buy an individual policy. There is a virtually unlimited number of product choices available to the individual. You should compare your options and shop carefully because coverage and costs vary from company to company. Individual plans may not offer benefits as broad as those in group plans.

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 your insurance agent.

Tips when shopping for individual insurance:

  • Shop carefully- Policies differ widely in coverage and cost. Contact different insurance companies, or ask your agent to show you policies from several insurers so you can compare them.
  • Read and truly understand the policy. Make sure it provides the kind of coverage that's right for you. You don't want unpleasant surprises when you're sick or in the hospital. If you don’t understand the policy make sure you choose an agent or company that will take the time to explain it to you.
  • Check to see that the policy states: the date that the policy will begin paying (some have a waiting period before coverage begins), and what is covered or excluded from coverage
  • Beware of single disease insurance policies. There are some polices that offer protection for only one disease, such as cancer. If you already have health insurance, your regular plan probably already provides all the coverage you need. Check to see what protection you have before buying any more insurance.
  • Make sure the policy protects you from large medical costs.

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We Offer 9 Locations to Serve You

Longwood
407-332-0909		 Ormond Beach
386-673-0691		 Palm Coast
386-246-9750
Leesburg
352-314-3880		 Kissimmee
407-933-6886		 Deland
386-738-0813
Mt. Plymouth
352-385-4444		 South Daytona Beach
386-788-8811		 Orlando
407-515-6000