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Individual Health Options | Group Health Options

Health Insurance

The number of uninsured Americans rose to 50.7 million in 2009, which is one out of every six U.S. residents. This includes 10% of all children under 18 years of age. Those fortunate enough to be insured have seen their costs rise almost 50% since 2005; additionally, employers are paying 20% more.

But the risks of foregoing health insurance can be ruinous – 60 percent of all personal bankruptcies are due to overwhelming health costs – or it can be fatal: It was recently reported that over a six-year period, 137,000 Americans died because they lacked coverage and didn't receive care.

Health Insurance provides financial reimbursement to cover actual health-related expenses. Government-supported programs, such as Medicare, Medicaid, and the Children's Health Insurance Plan, cover the elderly, disabled and the young. Individuals ages 18-64 have to find their own coverage, although about 60 percent fall under employer-sponsored health plans.

Finding health coverage can be very complex. You can opt to research it on your own, but navigating the variety of care options, cost structures, and health carriers is a daunting task. Whether you're a business or individual, Ritch Insurance has the knowledge and experience – plus the access to multiple insurers – to assist you in finding the best coverage.

Individual Health Insurance Options

There are various options for Individuals and Families. One plan is not necessarily "better" than another –it depends entirely on what's important to the individual or family. For example, do you want lower costs? Or desire to select your own doctors? Or a low co-pay on prescriptions?

It's also difficult to determine the costs and benefits of a HMO (Health Maintenance Organization) versus a PPO (Preferred Provider Organization). Or why a HSA (Health Savings Account) may be a cost-effective alternative. (Colby Ritch is an expert in this arena.)

To purchase insurance, individuals often are required to complete a medical questionnaire. Insurers can decline coverage based on the applicant's personal habits, medical history, age or any number of factors that constitute a risk.


Individual dental insurance is highly affordable, as the coverage includes regular check-ups and provides savings in case an individual requires more serious work.



Critical Illness


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Group Health Insurance Options

Unlike individual plans, Group Insurance coverage does not scrutinize individual medical history. People with pre-existing conditions qualify for group plans because the insurer spreads the risk over a large number.

Business rates are based on the size and health your company. Thus, employees can pay significantly less for insurance and have a wide range of health care options.

Group Dental

Dental care is often included in employee benefit plans. This coverage often has different deductible levels depending on the type of treatment or care. For example, preventive care, such as semi-annual cleanings and x-rays, has high reimbursement levels versus major treatments such as crowns, dentures and bridges.

Group Vision


Group Critical Illness


Medicare Supplement

Medicare Supplement coverage is available for individuals over 65 years of age or disabled, who are enrolled in a Medicare Plan. This coverage pays a share of the health care costs not covered by Medicare, such as deductibles and co-payment amounts.

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11. 25. 08
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