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Health Insurance - Learn More
Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.
Life-based contracts tend to fall into two major categories: 1) Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A most affordable form of this design is term insurance. 2) Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms are whole life, universal life and variable life policies.
Group Health Insurance
This coverage is underwritten on members of a natural group, such as employees of a particular business, union, association, or employer group. Each employee is entitled to benefits for hospital room and board, surgeon and physician fees, and miscellaneous medical expenses. There is a deductible and a Coinsurance requirement each employee must pay.
Medicare Advantage- Learn More
Medicare Advantage Plans are health plan options that are subsidized by the government to provide additional health coverage to Medicare Part A and Part B. Medicare Advantage Plans include HMOs, PPOs, PFFS and Medicare Special Needs Plans. Generally, Medicare Advantage Plans have little or no monthly premiums. Instead, seniors pay co-payments for doctor visits, hospitalization and other medical services.
Medicare Supplement - Learn More
A Medicare Supplement policy is senior health insurance sold by private companies to expand health coverage for seniors where the Original Medicare Plan coverage falls short, such as co-pays and deductibles for doctor visits, hospitalization and other medical services. Seniors pay a monthly premium but have few additional out-of-pocket expenses.
Final expense insurance, also known as "burial" or "funeral" insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that you can buy when they reach the age of 50. Policyholders can name any beneficiary, typically a family member or charitable organization, who would make the claim and receive the money upon the policyholder's death. The beneficiary is then responsible for using the money to carry out the policyholder's wishes.
Typical health insurance covers the cost of most medical expenses incurred from hospital and doctor bills, Gap Plans are designed to provide low-cost benefit's to help pay for out-of-pocket expenses (such as Deductibles, CoPays, and Coinsurance). They provide coverage to help "fill the gaps" left by most major medical policies with three benefits - deductibles, copays and coinsurance. Accident benefits are available as well.
There are plenty of stand-alone dental discount plans available in the marketplace, in addition to a variety of plans that include a combination of dental and vision discount programs. However the best option to securing dental coverage, is to purchase an individual health insurance plan that includes coverage for dental benefits, as most do..
Critical illness insurance, is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you to avoid the financial strain a major illness can create so that the insured can focus opon their recovery.
