The majority of Americans under age 65 have access to group health coverage through their employer. If you don’t have employer-provided coverage, we can help. We offer a wide selection of individual health insurance plans to cover individuals and their families. We also offer other insurance programs to protect your health and finances, such as dental, life and long-term care insurance.
Individual and Family Medical Insurance
The Kaiser Family Foundation reports, “Medical bills forced 27 percent of uninsured adults to use up all or most of their savings in 2009.”
Some people have the savings or cash flow necessary to pay for a major medical problem. But if you don’t have $20,000 lying around to pay for an emergency bypass surgery, for example, you need insurance.
We can help most people find a medical insurance plan that fits their budget, from a plan that offers generous coverage to a high-deductible plan designed to protect your family from a catastrophic illness. Healthier people have more options, but if your health is poor, you can still buy hospitalization or critical illness insurance that will pay benefits if you are hospitalized or suffer a critical illness.
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Life Insurance
Life insurance is the foundation of any family’s financial plan. Most financial experts recommend having life insurance totaling at least five times your annual salary, but each family’s needs differ. Life events that affect your need for coverage include:
- Birth of a child
- Buying a home
- Children attending private school or college
- Retirement savings
- Estate planning and protection
- Desire to make a charitable bequest
Life insurance can help ensure your family can maintain its lifestyle if a breadwinner dies prematurely. Whole life, or permanent, life insurance also offers tax-advantaged savings for retirement and estate protection. Whatever your life insurance needs, we can help you find both term and whole life coverage at competitive rates.
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Annuities
Many Americans are in danger of outliving their retirement savings. Annuities have many uses in financial planning, but one of the most important is providing a guaranteed income during retirement.
You can buy annuities through life insurance companies—in fact, annuities are a form of life insurance and, like life insurance, usually require a health questionnaire or medical exam. In exchange for paying a premium, the insurer will provide you with a monthly benefit for the term you select, which can be as long as the rest of your life…no matter how long you live.
Annuities come in many varieties. You can buy single-premium annuity that will, with just one payment, give you a guaranteed monthly payment for a set period or your lifetime. Joint-and-survivor annuities protect couples by paying a monthly benefit to one spouse and, when he or she dies, to the survivor. We can help you find the type of annuity that best meets your financial needs.
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Dental Insurance
Dental insurance encourages preventive dental care, which saves an estimated $4 for every $1 spent by eliminating the need for expensive, invasive and painful procedures. Some insurers offer dental coverage as an add-on to individual and family medical plans, but you can also buy stand-alone dental insurance.
Most dental plans cover:
- Twice-yearly cleanings and exams
- Annual x-rays
- Restorations (fillings and crowns)
- Periodontics (treatment of gum disease)
- Endodontics (root canals)
- Bridges and dentures
Some also cover orthodontics. Many plans let you see any dentist, while some use a network of dentists.
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Vision Insurance
As with dental coverage, some insurers offer vision coverage as an add-on to individual and family medical plans. You can also buy stand-alone vision insurance.
Vision insurance generally covers the following basic services:
- Annual eye examinations, including dilation
- Eyeglass frames
- Eyeglass lenses
- Contact lenses
- LASIK and PRK vision correction at discounted rates.
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Accidental Death and Dismemberment Insurance
Accidental death and dismemberment (AD&D) insurance provides valuable coverage from accidental death or injury that causes loss of a limb, sight or hearing. It’s particularly valuable for younger individuals, who are more likely to die or become injured in an accident than older people, and it’s inexpensive—as little as $5 per month.
AD&D pays a set benefit if the insured dies in an accident. You can add AD&D coverage to a life insurance policy; in that case, if you die in an accident, the insurer will pay a “double indemnity,” or twice the death benefit.
AD&D also pays a portion of the death benefit if you lose or suffer the loss of use of an extremity, hearing or sight due to accident. This makes AD&D valuable protection for the vast majority of people who do not have individual disability insurance. AD&D insurance can provide their families protection from certain types of disabilities for very little cost.
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Long-term Insurance (LTC)
With nursing homes costing an average of $75,000 annually (more in urban areas), long-term care needs can stretch the finances of almost any family. Medicare and Medicare Advantage do not cover custodial care in a nursing home, assisted living or home healthcare setting. Unless you have savings or long-term care insurance, when you can no longer take care of yourself, you would have to spend down your assets until you qualify for Medicaid.
Long-term care insurance (LTC) can help you pay for the cost of nursing home and other long-term care for yourself or for an elderly dependent.
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Disability Income Insurance
What is your most valuable asset? Your home? Its contents? For most working individuals, their ability to earn an income is worth far more than these physical assets. If you have a high school diploma, your lifetime earnings potential exceeds $1 million. As education increases, so do earnings. For example, the “average” man with a professional degree will earn $4.03 million over his working life, while the “average” female professional will earn nearly $3 million. A disability can jeopardize this valuable asset.
Short-term disability (STD) insurance plans typically have a waiting period of 0 to 14 days before a covered individual will receive benefits, and they provide benefits for a maximum of six months to one year.
Long-term disability (LTD) policies usually begin paying benefits 30 to 180 days after the disability occurs, once the covered individual has exhausted sick leave and short-term disability benefits.
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Medicare Plans
Seniors face a bewildering array of health plan choices. Should you stick with Original Medicare, which provides only hospital and medical coverage? Original Medicare, plus a Medicare Supplement from a private insurer? Or should you opt to buy a Medicare Advantage plan through a private insurer to take care of all your health insurance needs?
Medicare Supplement, or “Medigap” Plans
If you have Original Medicare (Parts A and B), a Medicare Supplement plan can fill the “gaps” left in your coverage, including deductibles, copayments and uncovered services.
Medicare Part B has a monthly premium. For an additional low monthly premium, a Medigap plan can help you avoid unpleasant financial surprises. Policies cover individuals only (no family coverage), so you and your spouse will need separate policies.
Medicare Advantage
Medicare Advantage plans (also called “Part C”) take the place of Original Medicare. Written by private insurance companies, they include all the benefits of Medicare Parts A and B, and often include other coverage, such as Medicare prescription drug coverage (Part D), sometimes for an extra cost.
If you have a Medicare Advantage plan, you do not need (and cannot use) a Medicare Supplement policy.
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