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This week, in Part 2 of our continuing discussion with Scott Cornelius of Earnie Cornelius Agency, Inc., Dave Ramsey’s ELP for home and auto insurance in the Oklahoma City area (they sell other types of insurance as well). You can contact ECI at (405) 373-2977.Click to read Parts one, three, four and five.

Michael: What are some common misconceptions that people have about health insurance? Especially people that might not be covered under an employer’s health plan.

Scott: For the most part, if you’re a healthy person, individual coverage is less expensive than group coverage that you would get through an employer. Most people can be covered for less on an individual plan than they would be on a group plan, unless they’re older. Another misconception, a simple illnesses like diabetes, high blood pressure, anything that’s happened in the last five years would be not covered on an individual policy, so sometimes getting a skin cancer taken off your head might keep you from having coverage for any type of skin cancer, on an individual type policy. That’s where a group policy would be better because they have to take everyone under their plan, and they can’t exclude anything.

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