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Individual Health

Nefouse and Associates has been selling local residents individual health insurance policies for more than three decades. Whether you find yourself between jobs and looking for a less expensive alternative policy than a COBRA plan or you’re self-employed and want to make sure you’re covered in case anything happens, Nefouse & Associates can help you weigh your options and find the plan that is best for you. Choosing the right policy can have a significant impact on you and your loved ones. Let us help you to make the right decision.

We were also the first Indianapolis Insurance agency to offer policies online. Since 1999 we’ve been helping customers take advantage of the information and options available on the internet. At Nefouse and Associates, we understand that every shopper has different needs. We can guide you through the online process of finding the policy that best meets your budget, offers the highest level of service, and provides the simplest ease of use.

The individual health insurance market has changed drastically over the years. Health Care Reform has already had a huge impact. We understand the individual market and how these changes will affect you.

Nefouse and Associates sells only the highest quality health insurance products. We are always available to assist you with claims, administration issues, or other related concerns. When you work with Nefouse and Associates, you will always have a single point of contact for any questions you may have. We are one of the few agencies that provide customer service after the individual health policy is sold, which is why we do not sell policies we wouldn’t buy ourselves.

Our preferred individual health carriers are Anthem and Golden Rule because they are the leaders in technology and plan design. Both own their own network, which provides major benefit when it comes to access and claims. Both are also competitive in underwriting and offer a streamlined application process. Our decades of experience ensure that we thoroughly select the carriers we offer our clients. We also guarantee that we’ll never sell your information to other organizations.

Several individual health insurance options are available to you, including:

  • Health Savings Account (HSA) – An HSA can help you cover major medical costs while allowing you to invest a portion of your premium for future costs. HSA’s help can reduce your overall taxable income. Deductible credits for the portions you don’t use add to the value.
  • High Deductible Health Plan – Higher deductibles and lower premiums help you avoid paying for coverage you won’t use. A good option for you if your main concerns are major illness or accident.
  • Short-Term Health Coverage – A short-term plan can provide medical coverage for you and your family while you are between jobs. Typically, these are more cost effective than COBRA coverage.
  • Supplemental Medical Coverage – If you are 65 or older, this insurance covers the overages that Medicare won’t pay.

Finding the right coverage is no easy task, which is why it’s critical you work with a company focused on doing what is best for you. Are you considering purchasing or replacing your individual health policy? Contact Nefouse and Associates today.