Personal Health Insurance

For Your Medical Needs

Torian Insurance offers a variety of individual and family health insurance plans that will meet your medical needs and budget. Our knowledgeable agents are available to answer any questions you may have. 

Let's Talk About Health Insurance!

Call (812) 424-5503 or fill out the form below to get started.

health insurance

Safeguard Your Health

Without health insurance, you’re just one unexpected medical emergency away from potential financial disaster. Individual health insurance is a type of coverage designed to meet the personal medical needs of an individual. This form of insurance is crucial as it provides financial protection against high medical costs, ensuring that individuals are not left with overwhelming bills in the wake of health issues.

The importance of individual health insurance extends beyond just emergency situations; it also covers preventive services like routine check-ups and standard procedures, which are essential for maintaining overall health. Success with our insurance means you focus on your health, not on the costs.

From The Routine To The Unexpected - Protect It With Health Insurance

Consult A Trusted Advisor

Health insurance complexities are daunting, but don't worry – that's precisely what we're here for. With over 100 years of experience in the insurance industry, Torian Insurance is equipped to address all your inquiries and concerns.

Tailor Your Health Insurance Plan

Everyone’s health needs are unique. At Torian Insurance, we specialize in crafting personalized health insurance plans that fit your specific requirements and budget. Whether it's coverage for just yourself or your entire family, we ensure your health plan addresses your priorities and life circumstances.

Gain Peace of Mind

Your health is your most valuable asset. In today’s unpredictable world, securing comprehensive health insurance is not just an option but a necessity. With Torian Insurance, you can rest assured that you’re protected against a wide range of health challenges, allowing you to focus on living a healthier and stress-free life.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your family is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Individual Health Insurance FAQs

 Individual health insurance is a type of policy that covers the healthcare expenses of a single person. Unlike group insurance, which is typically offered through employers, individual health insurance is purchased by an individual, and they can tailor the plan to fit their specific health needs and budget considerations.

 Choosing an independent insurance agency for health insurance offers several benefits, such as personalized service and a broader range of options. Independent agencies are not tied to one insurance provider, so they can compare plans from multiple insurers to find the best coverage at the most competitive rates. They also provide unbiased advice and assist with claims, policy upgrades, and understanding complex insurance terms.

 Individual health insurance is necessary for anyone who does not have coverage through an employer, spouse, or parent’s plan. This includes self-employed individuals, freelancers, part-time workers, students, and those who are unemployed or retired. Essentially, it’s crucial for anyone who wants to protect themselves from high medical costs and ensure access to healthcare when needed.

Health insurance typically covers a portion of medical expenses including doctor’s visits, hospital stays, surgical procedures, and prescriptions. Plans also often cover preventive services, such as vaccinations and health screenings, to promote wellness and early detection of conditions. All health insurance coverage varies depending on your plan.

 A deductible is an amount you pay out-of-pocket for healthcare services before your insurance coverage kicks in and begins to share the costs. A higher deductible plan usually has lower monthly premiums but means you pay more upfront for services before you receive insurance benefits. Conversely, a lower deductible plan means higher monthly premiums but quicker insurance assistance once healthcare spending begins.

 Copayments are fixed amounts set by your health insurance plan that you pay for specific healthcare services, like a doctor’s visit or prescription drug. Coinsurance is a percentage of costs that you pay after meeting your deductible. Both are determined by the specifics of your plan. Typically, higher-level plans with higher premiums will offer lower copayments and coinsurance rates to make healthcare more accessible once deductibles are met.

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

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