What is health insurance and why do I need it? Health insurance protects you and your family from a financial hardship due to medical expenses in the untimely event that you are injured or become ill. There are four types of health insurance, you may need just one or you may need a combination to ensure you have the most insurance coverage possible. It is best to evaluate each type of insurance to obtain an accurate account of which type will best suit your needs.

Individual medical coverage is designed for people who do not receive this type of coverage through their employer or family. Medical supplement insurance is designed for the elderly who contribute to Medicare however, desire additional coverage to supplement expenses that Medicare won