Health Insurance

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.

1. Fee-for-Service
   These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
    
2. Managed Care
   More than half of all Americans have some kind of managed-care plan¹. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

We offer the following Health Insurance Plans

Short Term Medical Plans are beneficial for individuals seeking coverage in times of transition to bridge any gaps in health insurance coverage between open enrollment under the Affordable Care Act. However, this plan does not provide coverage for pre-existing conditions, although you have the flexibility to select your term of coverage from 30 days to 360 days, deductible and coinsurance that fit your budget.

A Health Savings Account (HSA) Plan is a lower-cost, high deductible health insurance plan and a savings account with important tax benefits that offers You: 
◾Lower premiums than most co-pay plans 
◾Savings account you can use for qualified health care expenses or retirement after age 65 
◾HSA contributions are 100% tax-deductible from gross income up to IRS limits 

Dental Plans offers:
◾Preventative care covered at 100% with NO deductible or waiting period for in-network dentists
◾Basic and Major Services have a $50 calendar-year deductible per person, with a maximum of 3 individual $50 deductibles per family
◾Additional dental procedures are rendered under these plans 

Vision Plans offer: 
◾Eye exam once every 12 months 
◾Frames once every 24 months 
◾Selection of contacts and lenses are covered 
◾Discounts on Laser Eye Surgery and Hearing Aids included 

What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
    
2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability Income Insurance is very beneficial if you're unable to work due to a debilitating illness or injury and can help you cover expenses such as:
•Car Payment 
•Mortgage Payment 
•Tuition
•Food 
•Clothing
•Utilities

By replacing a portion of your income, disability income insurance can help maintain your standard of living and provide financial security until you get back on your feet and return to work.

                                                                                                    
                                                                  We're here to help you choose the right plan. Request a Quote today!