These plans are either PPO or Traditional Plans. Most PPO and HMO plans have online provider directories . Individual health insurance plans are not guaranteed issue. Your application includes a health history questionnaire which will be reviewed by the carrier's underwriting department. It the company decides not to accept the risk you will be denied.
Some companies have a multi-tier pricing structure.
Depending on whether you had health insurance within specified periods prior to enrolling, there may be waiting periods or exclusions of up to 12 months on specific covered services when you select a PPO or Traditional Plan. Apply online or download an application or request it be sent to you. Complete the application and health questionnaire.