Health Insurance

Why InsuGuru Insurance Services?

We’re an independent agency which means we don’t work for the insurance company, we work for our customers. We can offer you a wide range of insurance plans at competitive prices. We represent all the major US insurance companies. That lets us deliver distinguished plans at the best rates. InsuGuru Insurance Services isn’t there just to sell you a new policy but to help you maximize your coverage.

What’s a health insurance plan?

Health insurance plans pay for medical expenses. Health insurance protects you against unforeseen medical bills caused by injury or illness, as well as examinations and prescription drugs. Health insurance comes in a wide assortment of benefits and prices. In the United States, many employees get health insurance through their jobs as a special perk.

Why is health insurance important?

Regardless of age or health condition, everyone benefits from health insurance coverage. That’s because a sudden injury or unexpected illness may present itself at any time. Medical insurance will protect you from absorbing the entire cost of medical treatment. In addition, a health insurance plan will often give you access to preventative routine care.

How can I get health insurance?

Many US employers provide their employees with health insurance, although enrollment is restricted to specific periods during the year. Check with your employer’s HR department to better understand what kinds of coverage your employer offers and if you qualify. Americans not offered an employer-sponsored health insurance plan will have to purchase a policy for themselves.

Can I get medical insurance even though I have a pre-existing health condition?

Under the ACA law, insurance carriers can’t deny an individual health insurance because of a pre-existing medical condition. The insurance companies are also unable to drop individuals when they become chronically ill or charge an individual more (aka a rate up) than their peers because of a health issue.