With today’s health care costs on the rise, who will pay your bills if you have a serious accident or a major illness? The purpose of health insurance is to provide protection for you and your family financially in case you need medical attention. You can’t predict what your medical bills will be, but you are capable of controlling your health care costs.
Comprehensive Insurance provides a broad range of protection. Protection, or coverage, includes doctor visits, hospital visits, and prescriptions.
The Hospital Surgical health plan covers preventive services, major illnesses and emergencies that require a hospital visit or surgery. If an unexpected visit to the hospital occurs, this plan will assist by offering a lower expenses.
A Health Savings Account offers an alternative method for clients to pay for health care. A tax-favored saving account is issued by the policyholder to deposit funds into a savings account used only to pay for medical costs. This is beneficial to the policyholder because it allows the money to be distributed at his/her command.
Medicare coverage is provided to any individual who is the age 65 or older. This policy provides additional coverage (or “gap”) for an accident or health concern, which may not be covered by Medicare such as deductibles or co-pays. Medicare supplement plans also allow individuals who are eligible for disability, under Medicare Part A and Medicare Part B, to receive financial coverage.
If you are in between jobs or starting a job, temporary insurance offers individuals medical coverage for a short-term period. Short-term coverage may last 30, 60, 90 or 180 days.
The policyholder is given the opportunity to choose a suitable and low deductible policy, or choose a plan with a low, affordable co-pay.
Low Cost plans offer a low price premium without the unnecessary benefits you may never use.
Dental Insurance provides coverage for oral health care for individuals, groups, and businesses .
Disability insurance includes paid sick leave, short-term disability benefits, and long-term disability benefits.
Life Insurance provides the opportunity to protect your family’s financial future upon the insured's death.
Long-Term Care Insurance is designed to cover personal and custodial care in your home, facility or community.
You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially.