Personal Insurance

Individual Health Insurance

Your One-Stop Shop for Health Insurance

Shopping for individual health insurance can be intimidating. There are thousands of plans available, and each one varies in coverage and price. That’s why HMBD Insurance Service, Inc. is here to help find the right plan for you and your family.

photo - Health InsuranceStart by giving us a call or email us.
We will gather the information necessary to create customized health quotes to see which plans are available, what benefits they offer, and how much they will cost. Once you have selected a plan you can apply online or over the phone.

photo medicineWe will get you quotes from Multiple Carriers – Comparing plans from multiple carriers allows you to consider all your health insurance options. At HMBD Insurance Services, Inc., you’ll be able to view multiple quotes that we email to you and speak with licensed agents from many of the nation’s top carriers including:

  • Anthem/BlueCross
  • BlueShield companies
  • CIGNA
  • Aetna
  • Healthnet
  • Humana
  • Assurant
  • United Health Care
  • Kaiser Permanente

Compare Benefits and Coverage Options
Many different types of health plans are available in today’s market. Each offers varying costs and benefits so you can find one that is a perfect fit for your unique health care needs.

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Here are some of the out-of-pocket costs you’ll run into with your health insurance plan:

  • Premium – This is the monthly fee paid to be enrolled in a health insurance plan
  • Copay – This is a flat dollar amount paid by the consumer for each doctor or hospital visit
  • Coinsurance – This is a percentage rate paid by the consumer for medical costs incurred
  • Deductible – This is a yearly cap on the amount of out-of-pocket expenses paid by the consumer

Also, remember that each plan will vary with respect to specific procedures and prescription drugs that it covers. If you anticipate needing a certain type of medical care make sure it is covered by the plan you choose. By carefully comparing all of your options you can be sure to find a plan that meets your needs without paying a fortune.

For more information, give us a call or email us.

If you are interested in a quote, contact us and we will email or fax the appropriate applications to you for completion. In many instances we can take down the information needed over the telephone and provide you with a quote the same day.

The following agents are trained in this specialized area of coverage:

Jay Semaan:
jsemaan@hmbd.com
Travis England:
tengland@hmbd.com
Dan Roddy:
danrod@hmbd.com