Health insurance is a type of insurance coverage that protects you from paying the full costs of medical services. Depending on the plan and deductible you choose, you are required to pay a monthly premium. In return, your health provider pays a portion of your covered medical costs.
Individual health insurance is a type of insurance coverage designed to protect you and your family for the unexpected medical costs of hospitalization, surgery, cancer treatment, and prescription drugs just to name a few. There are many plans available; therefore, it is important to sit down with your agent to choose a plan that meets your family’s needs and budget.
Group health insurance is an employer sponsored plan offered to full time employees in which the employer contributes to the cost of the plan. Employees have the option to apply for the medical coverage plan the employer has chosen.
Short term medical coverage is a policy which will provide you with coverage for 30 days, 60 days or up to 12 months depending on your needs. This plan is designed for individuals who are between jobs or a recent college graduate only needing coverage for a specific period of time.
Medicare Supplements are policies in addition to Medicare available for senior citizens 65 years and older. It’s a fact that Medicare doesn’t cover all expenses; therefore, this type of coverage will help cover expenses not paid by Medicare.
Dental insurance is a supplemental insurance plan in addition to other medical insurance policies. It is designed to help pay the cost of regular checkups, cleanings, x-rays, and other services depending on your plan and deductible.
Vision insurance is a supplemental insurance plan in addition to other medical insurance policies. Vision insurance will help pay for the costs of routine checkups as well as help pay for vision correction wear that may be prescribed by the physician.
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