- You want a cheaper alternative to COBRA, or you've exhausted your COBRA coverage
- You're turning 65 and are eligible for Medicare and need a Medicare Supplement
- You want to cover a short-term gap between jobs, in a waiting period, or after graduation
- You have only limited eligibility as a widow or divorcee or child
- You're retiring early and need to bridge the gap until Medicare
- You are dropping coverage for dependents
- Your dependent children have reached the maximum eligibility age or have graduated
- You are a part-time or seasonal employee
- Your current employer does not offer a health plan
In many cases, Individual Insurance can cost significantly less, especially for good risks. You can count on Linden Group to provide a range of affordable Individual Health plans.These new programs take the best benefits from your current plan, add innovative cost-saving measures, and can be customized to your needs and budget.
Our individual insurance programs run the gamut from viable COBRA alternatives to Medicare supplements, including:
Individual and Family Plans
The most common form of insurance and is continual as long as premiums are paid. Designed as a long term solution to address the needs of Single Adults, Families, and Children-Only. A diverse selection of health insurance plans are available to fit a wide range of budgets. From PPO options to High-Deductible HSA-compatible plans.
Short Term/Temporary Plans
Purchased on a per diem basis; ideal if you seek coverage for a time period of 6 months or less. Designed as gap coverage to address the needs of those between jobs, post-graduates, etc. Provides you and your family basic protection against unexpected accidents or illness while you are waiting for other coverage to begin.
Medicare Supplement & Medicare Rx Plans:
Designed for individuals 65 years of age or older to pick-up where Medicare drops off.Medicare Supplement Insurance fills in the gaps for hospital and medical expenses Medicare does not pay, as well as Medicare approved prescription drug coverage.
| Individual/ Medicare Supplement/ Temp Policies |
COBRA | No Insurance | |
| Cost | Affordable | Costly | None |
| Coverage Duration | As long as desired | Limited to 18-36 months | None |
| Carrier Quality | Excellent | Chosen by prior employer | None |
| Coverage Options | Flexible based on your needs and budget | Restricted to prior employer plan | No Coverage |
| Portability | Fully portable | Limited by time & location | None |
| Underwriting | Simple & quick application process* | Guaranteed coverage for limited time | None |
| Personal Well-being | Security of quality coverage to protect self & family | Covered for limited time until insurance is lost | None |
*Restrictions or limitations may apply based on pre-existing conditions
To find out more about which Individual Health Insurance option may best address your current situation, please contact your Linden Group Health Services representative today or call directly Linden Group's Individual Health Specialist, Erica Barts, at extension 46.
