HEALTH
Confused by all the health insurance options & Healthcare Reform?
Health insurance is designed to protect individuals and families from the high costs of health care. Whether you are facing a pre-existing health condition, an emergency situation or just want preventative and wellness care, health insurance will pay part of your costs. We can help you find the plan that is right for you and your fsmily.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
Critical Illness Insurance
Critical illness insurance covers cancer, heart attack, stroke and end-stage renal failure. Plus, it can also cover conditions such as Alzheimer’s disease, blindness, paralysis, coma, transplant surgery/waiting list, amputation and deafness. We offer a variety of different coverage options, based on your areas of concern and need for specific coverage. –
Understand the risk of a critical illness diagnosis
Hospital Indemnity Insurance
Hospital indemnity insurance complements your existing health insurance plan by paying you cash benefits when you’re hospitalized due to covered accidental injury or sickness. Coverage options include a daily hospital stay, day one hospital admission, intensive care unit, emergency room visits and ambulance trips, among other choices.
Supplemental Health Insurance
Protect your family with supplemental health insurance. Major medical insurance is important because it helps cover most medical expenses, such as doctors' bills and prescriptions. However, in the event of a serious illness, your share of the treatment costs may add up quickly. Not to mention, the nonmedical, everyday expenses, such as house payments and groceries that still need to be paid. Supplemental health insurance works with your major medical insurance to help protect you and your family. It provides benefit payments directly to you – so you and your family can focus on your recovery, not your finances. Your benefit payment goes directly to you! You can use this benefit to pay for everything from deductibles and copays to house payments and groceries.