Individual Health insurance
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Description
- People who do not work for someone or who have no health insurance benefits provided by their employer may purchase their own individual coverage. Individual health coverage is sometimes hard to obtain as the health insurance companies are concerned with the potential costs associated with providing insurance coverage to individuals who may have current health problems.
Thus when a prospective client applies for coverage they may find that they cannot obtain coverage since in Minnesota the insurance company cannot restrict coverage for specific health problems.
In reality the health insurance providers have two options-either they insure you or they deny you. Individual health plans are less comprehensive typically in the coverage that they provide. Many companies will restrict or increase premiums if coverage is desired for items such as pregnancy, mental health care, and chemical dependency treatment.
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Individual Health insurance
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