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Unexpected illnesses and accidents happen to someone every day, and the resulting medical bills, if that individual has no health insurance, can be financially disastrous. Unpaid medical bills are the number one reason for bankruptcy today in the United States.
With group plans, while the employer does have to pay some percentage of the monthly premium, it guarantees that an employee with less than excellent health can be covered. Maternity is a standard benefit, not an option, under a group health plan. Options include dental, vision, and prescription drug plans. We can also show you how to set up a Section 125 plan, or a Health Savings Account, which allows the insured to pay for part of his/her medical expense with tax-free dollars.
While individual and/or family plans do require some health underwriting, the options for protection can be more individualized. Maternity, dental, vision, and prescription drug plans are options.
Short-term health plans are generally used by someone to bridge health protection between other plans. This is often ideal for parents with adult children who are no longer able to remain covered under their current plans. Or an individual has just been hired by a company that will offer a group plan, but no coverage for the first 90 days. These plans are ideal for those situations.
Explore your health protection options with one of our specialists. Then you can make an informed financial decision for your health insurance.
If you are interested in talking with one of our health insurance specialists, please go to the "Contact Us" page, and complete the form and indicate what type of insurance you need. |
Health Insurance
