Congratulations!  You have discovered the best website for information on Individual Medical Insurance! 

 Before you go any farther, read the Frequently Asked Questions About Health Insurance.  You can find these questions and answers on the choices to the left of this page or simply CLICK HERE.

NEW!! Senior Insurance Benefits Information.

Great resource for information about your Medicare and Social Security Options.  Check it out!  (Click Here)

Scroll down and find the Health Care Insurance Plan that you want.   You can get free quotes on Comprhensive Major Medical, PPOs, Health Care Savings Account Plans,  Student Health Care Plans, Temporary Plans, Guaranteed Issue Medical Plans, International Medical Plans.  Also find  Travel Insurance, Vacation - Business Trip Insurance Plans, Medical Expense Plan, Accidental Medical Expense Plan, Emergency Room, Dental Plans and More.

Great carriers like Assurant, Blue Cross Blue Shield, United HealthCare, Golden Rule, Humana, Coventry, and more.  You can get free quotes, customize your own plan with the benefits you want, compare plans, buy online, and save. 

You can contact me if you want.  My contact informatio

n is at the bottom of this webpage including my cell phone number. 

   NOTE!!    WHEN YOU CLICK ON THE LINKS BELOW, YOU MIGHT LOSE THIS PAGE! BOOKMARK THIS PAGE NOW SO YOU CAN RETURN EASILY IF YOU LOSE IT OR YOU CAN RETURN TO THIS PAGE FROM THE ONE YOU ARE VISITING BY CLICKING THE BACK ARROW ON THE TOP LEFT HAND CORNER OF YOUR BROWSER.

Our most Affordable Plan

•      Rates start as low as $34 per month
•       No Deductibles
•       Co-Pays for Doctor's Office Visits and Rx
•       Easy to Qualify

Note: When viewing presentation, use  right and left arrows on your keyboard to move from page to page.  If you view the more detailed video presentation, watch for the light blue blinking "GO" button on the bottom of the screen.  When the presenter stops talking, you will need to click the blinking forward button tp continue.  This is a very informative presentation.  Hope you enjoy it!

 

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Blue Cross Blue Shield of Kansas City

Blue Cross Blue Shield of KC Voluntary Health and Dental Plans (click here)

 Blue Cross Blue Shield of KC Voluntary Health and Dental Plans

Blue Cross and Blue Shield of Kansas City provides affordable health insurance in Kansas City, northwest Missouri and parts of Kansas for nearly 900,000 people. If you are a company based in metropolitan Kansas City or northwest Missouri, or an individual living in one of these areas, you may apply for coverage through one of our available health plans.

Chester Michael Emerson is an authorized independent agent for Blue Cross Blue Shield of Kansas City

    Health Insurance for Individuals and Family 

It's Easy!  Get Quotes - Compare - Apply Online

 Guaranteed Issue Medical Plans   

If you have been declined for health insurance but want a fully insured plan, we offer the AIM  Defined Benefit Health Care Plans.  They are guaranteed issue fully insured plans.  They are HIPAA compliant.  This means that they are considered credible coverage when moving to a group plan.  This is very important if you have pre-existing conditions.  For more information on the AIM fully insured guaranteed medical plans click on the AIM Guaranteed Health Insurance button on the left side of this website. 

Major Medical for College Students 

Perhaps your Son/Daughter will be attending college out of town this fall. Will they still be covered on your Group Plan? What are your options? See details about the Student Select Medical Insurance Plan and Get a Quote..... CLICK HERE   You can also apply for coverage at this site.  Call me if you need assistance.   Click Here  To See the Student Select Poster.

Assurant Major Medical Plans

Explore different types of indidvidual major medical plans.  PPO plans with Co-Pays, High Deductible, HSAs, Short Term (30 days to 1 year) plans, Student Select Plans for College Students.  You can quote different plans.  Build plan you want by changing specific benefits such as deductibles, doctors office copays, maximum out of pocket limits, etc.  See how these adjustments affect your quote. 

If you are looking for value, I suggest the Right Start Plan (brochure) or Core Med Plan (brochure) and add the Suite Solutions Select (brochure) .  This gives you the low cost of a high deductible while providing the benefit of $100 or $250 deductible benefit for up to #10,000 expenses due to accidental injury plus a disability benefit and more.  Suite Solutions Select also provides a lump sum benefit for diagnosis of a covered Critical Illness.  The combination of these plans gives you a comprehensive plan at a lower cost.  

 I would also suggest you use standard rates for a realistic quote unless you have taken no prescription drugs in the past few years and have had no medical history. 

You can apply for coverage at this site too!  Good Luck!  Call me if you need assistance.  Click Here for Assurant Major Medical Plans free quote.

Travel and International Medical Insurance Plans

What is Travel Insurance?
Travel insurance, also know as trip insurance, trip cancellation insurance and trip interruption insurance protects a traveler's vacation cost against cancellation, interruption and delay while also providing comprehensive medical, lost or damaged property coverage. Researching travel insurance products can be confusing. That is why we offer the great selection of International Medical Group plans.  For more complete details of all the plans available click on the Travel Insurance graphic above. SHORTCUTS: International Medical Plans  -  Trip Insurance Plans

 Travel Medical & Cost of Trip Insurance Plans

Find Travel Insurance with our easy to use Policy Picker® Trip cancellation, trip interruption, comprehensive medical, lost  or damaged property.  Many plans from many companies to choose from.  The Travel Insurance Center.

"The Travel Insurance Experts"

SUPPLEMENTAL BENEFITS

These great plans are a great supplement to your major medical or any healthcare insurance plan!  Do you have a high deductible major medical plan?  These plans can fill that gap in your coverage.  They pay directly to you and in addition to other plans.  For details click on the appropriate banner below.

 

ESSENTIAL DENTAL SOLUTIONS PLAN

JUST WHAT YOUR FAMILY NEEDS

Essential Dental Solutions Plan covers the services your family needs for good oral health! It is affordable because it focuses on providing the benefits that you and your family need to maintain good oral health, not on benefits you may never use! Everyone is accepted and there are no deductibles or benefit waiting periods, so you and your family can start using the dental benefits right away. The Dental Plan provides access to 85,000 credentialed dentists nationwide.

WHAT YOU NEED TO KNOW BEFORE APPLYING FOR

COMPREHENSIVE INDIVIDUAL HEALTH INSURANCE.

Information and plain spoken advice on different health insurance plans that are affordable and available. Where to go for the best health insurance quotes.. Underwriting information that you won't find on other sites.  Here is an example:  If you take Lipitor for elevated cholesterol, your cholesterol HDL/LDL ratio was >4,9 prior to treatment; but controlled now. You are otherwise healthy, med free, and have visited your physician only twice a year for past couple of years. You probably will not get preferred rates from most individural health insurance plans. You probably will get a standard rate plus 10% to 40%.

Wouldn't this information be good to know before you apply for health insurarance coverage? Half the people that I know take meds for cholesterol! More tips are coming soon; but meanwhile read on!

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IF YOU HAVE PRE-EXISTING CONDITIONS THAT ARE PERMANENTLY EXCLUDED FROM YOUR CURRENT COVERAGE OR YOU HAVE BEEN DECLINED COVERAGE; Click on the AIM Guaranteed Issue Health Insurance button on the left hand column of this page.  Check out these great packages of healthcare benefits that are guaranteed acceptance. You can easily return to this page if you want.

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 MINUTE CLINIC 

What a great facility! They are opening all over in pharmacies. We have one in our local CVS store. It is open everyday. My wife (a med /surgery RN) and I use Minute Clinic a lot! No appointment is needed the hours of business are great and they usually take insurance copays. Even if you don't use insurance copays the cost is normally around $59. Minute Clinic is a great resource for saving $$$$ on most office calls.

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State Sponsored Plans

Most states have programs for their citizens who have been declined, can't get coverage for pre-existing conditions, etc. Go HERE for your states available state pool program. One of these plans might be better for you. If not, come back and see what else we can find.

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My Mission Statement

• To offer my customers benefits of high quality from highly rated and reputable companies.  Companies with a good claims paying record, helpful customer service, for the lowest possible cost.

• To be directed always by principles that include honesty, fairness, integrity, and commitment to long term relationships with my employees, customers, and companies.

• To be accountable always and available when needed.

• To maintain a WIN / WIN attitude in all that I do.