Health Insurance

CHOOSING THE MOST APPROPRIATE FOR YOU AND YOUR FAMILY

Choosing a health plan can be complicated. There is a great deal to know. There are many things to take into account. Please contact us to help you navigate this maze of information.

Why Do You Need Health Insurance:

Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.

Types of Insurance:

  • Fee-for-Service (Indemnity Plan)
  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Point-of-Service (POS)
  • Self Funded
  • Accident
  • Hospital Indemnity Coverage
  • Critical Illness
  • Short Term Disability
  • Long Term Disability
  • Long Term Care

Where Do People Get Health Insurance Coverage:

Group Insurance ~ Individual Insurance ~ Medicare ~ Medicaid

Services

Life Insurance
Investments
Annuities
ID Shield & Legal Shield
Retirement
Business
Education
Additional Insurances

Business Benefits

Employee Benefits
Dental
Disability Income Insurance

Individual Benefits

Health Insurance
Dental
Vision

Planning For Later

Medicare
Social Security
Long-Term Care Insurance
Estate Planning