Welcome to Cramer Individual Health!

Today's trend in business and the economy has sent many people looking for individual health insurance. That's where we come in. What people often don't know is that they will pay the exact same premium each month for health insurance if they work with us or go direct to an insurance company. What we provide is perspective, relationship, insurance company plan information, and advice.  We can run a quote for you from one insurance company or five, it depends on your situation.

Individual Health Insurance

There are several basic truths about health insurance that everyone should know.

1) First, group health insurance provided at a business can be very different from an individual health insurance policy. For example, by law in the state of Ohio, group health insurance plans must accept a person with any health condition. This is guaranteed acceptance, but it is not so with individual health insurance: a person can be rejected for many different conditions or combinations of lesser conditions.

2) Another truth is that an individual's health insurance premium is based partially on their age. So, each year a person has a birthday, they receive, in most cases, a rate increase because their risk of sickness and injury has increased due to their age.

3) Finally, it's vital that you supply complete information when we talk about your needs. As an example, someone may give us their date of birth, zipcode, and also tell us that they are "very healthy". With this information, we run a quote with a very low risk rating. The premium each month will look fantastic and affordable; however, when the application is submitted to the insurance company, it's revealed that the person has high blood pressure and a bad back. Those first rates cannot hold.  The moral is, the more complete information we have in the beginning, the more we can help you, and what may not seem like an important condition may be very important to how the insurance company determines your "risk factor".

How can we help? One way is that some insurance companies are more generous in their underwriting (risk analysis) than others and we can steer you to a better outcome by helping you apply to an insurance company more accepting of your particular risk.