Broker Check

Health Insurance and Medicare Planning 

Health Insurance 

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). Depending on your policy, your premium may be payable either in a lump sum or in installments.

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. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

Medicare Supplement 

Medicare is a federal health insurance program for people 65 years of age or older. Original Medicare (parts A, B, and D) pays for much of your health care, but will not cover the entirety of your medical expenses. Uncovered costs could include prescription drugs, deductibles, and coinsurance.

Medicare supplements are health insurance policies sold by heath insurance companies to fill the "gaps" in Medicare coverage. While the additional coverage is provided by private insurers, the Federal Government requires the insurers to offer standardized policies. Intuitively enough, these policies are often referred to as Medigap policies.

Dental & Vision Insurance 

Most dental care coverage places an emphasis on regular preventive care by covering small routine costs. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.

By placing an emphasis on prevention, and by covering regular teeth cleaning and check-ups, Americans saved nearly $100 billion in dental care costs during the 1990s.

Allow us to find you a group or individual dental plan that will take care of you and your family's needs that can include coverage for preventive, basic, major, and even orthodontic care.

Vision plans are among the most common employee-requested ancillary benefits. Voluntary vision plans are a cost effective alternative to vision care riders offered with group medical plans.

Vision plans are typically designed to minimize out-of-pocket vision care and eyewear expenses for plan participants. Greater benefits are received by the insured while utilizing in-network providers, but reimbursement schedules are also available when the plan does not provide access to a PPO network.

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