SUPPLEMENTAL HEALTH INSURANCE
What is Supplement Health Insurance?
Supplemental health insurance is legally defined as an insurance policy designed to cover the gaps that your regular health insurance may not cover. It pays benefits such as deductibles and co-payments, in addition to the benefits paid by your primary health insurance.
Who should consider supplement health insurance?
Families with children, the self employed, and those who are financially unprepared to handle large medical bills or take time off from your job due to sickness or injury, and most of all anyone on Medicare.
What are the Benefits of Supplement Health Insurance?
A few benefits of a supplemental health insurance policy are lower payments due to lower benefit amounts, cash benefits, most of time payment for pre-existing conditions, and unlike your primary health insurance policies, the ability to replace lost income and living expenses.
What are the Premiums for Supplement Health Insurance?
Supplemental health insurance policies are also less expensive than primary health insurance.
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DENTAL INSURANCE
Like health insurance, dental insurance is coverage for individuals to protect them against dental costs. Along with health insurance, dental insurance is often part of an employer's benefit package in the U.S. .
How does dental insurance work?
Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
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VISION INSURANCE
Uncorrected vision problems have become a major cost to employers. The annual cost of this problem is getting close to the cost of other major diseases, yet the solution to the problem can be solved with some simple preventive care. Unfortunately too few employees have a vision care program to pay the cost of annual vision check ups.
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ACCIDENT/DISABILITY INSURANCE
Disability insurance is a plan that provides you with income replacement, if you have an accident and are unable to perform the duties required by you at your chosen profession or you become incapacitated and are unable to work.
Disability Income Insurance
Disability income will be able to help protect your most significant asset, your ability to earn a living. When you can no longer work, it can assist you and your family by:
- Helping you pay bills so you can rest easy
- Keeping a roof above your head
- Helping you continue your every day routines
A monthly benefit for loss of income will be supplied for covered injuries or illness, after a certain amount of time; it usually pays a percentage of your income for as long as you are disabled, under your policy.
Decide What Your Needs Are:
What would you do if you were sick or injured, and could no longer pay the bills?
Who would pay the bills?
Would you be able to pay your bills if you were
sick or injured?
If your paycheck unexpectedly stopped because of a disability, you would still have to pay the rent, mortgage, car payment, car insurance, utilities, food, and all the other little expenses you usually have during the month. Your help would come from disability income insurance which provides you with benefits to pay these expenses
Accident/Disability Coverage is a 24-hour a day accident insurance with on and off-the-job disability and sickness options; benefits included are: emergency treatment, hospital income, specific sum injury, accidental-death, wellness benefit, plus much more.
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CANCER PROTECTOR
Approximately one out of three Americans now living will eventually have cancer. Statistics show that as much as 66% of the overall expenses can be out-of-pocket expenses. Cancer is also the leading cause of medical related bankruptcy. This plan pays the full cost of the mammogram along with a wellness of $75 or $100 for every member of your family. In most instances this offsets the cost of the plan.
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CRITICAL ILLNESS
Assuring your quality of life while you're recuperating from a serious health condition such as Heart Attack, Stroke, Organ Transplant, Third Degree Burns and more.
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HOSPITAL INCOME PLAN
A plan that covers hospital stays, outpatient Dr's visits, ambulance benefits and more. A great way to cover any current deductibles with a $500, $1000, or $1500 first day benefit.
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