Individual Health

MEDICAL INSURANCE:Health insurance under a group plan is not always an option. Whether your employer doesn’t offer health insurance, you are self-employed or currently unemployed.  Whatever the reason, our team of insurance experts can help you navigate the process of choosing a health insurance plan; both on and off the Federal Exchange.

An individual health plan doesn’t have to just cover one individual; it can be coverage for your family as well.  What many people don’t realize is how challenging it can be to choose an individual health plan.DENTAL INSURANCE:Oral health is linked to overall medical health. You can avoid more costly dental and medical expenses in the future by offering dental benefits that cover regular visits and preventive care.

Dental insurance helps you cover the cost of preventive and diagnostic dental care. Like medical insurance plans, dental plans can be customized to suit your needs.VISION INSURANCE:Vision insurance is an important benefit to have. People are often hesitant to have their eyes tested because of the high cost of treatment, glasses and contact lenses. With vision insurance you can attend routine eye exams that can reveal serious health issues like diabetes, hypertension and high cholesterol.

Vision insurance can include the following options:

  • Fully covered annual or biannual eye exams
  • Frames and lenses for glasses, fully or partially covered
  • Contact lens services

The services listed above are most commonly built into an insurance policy; additional coverage can be worked into a plan for laser treatment.MEDICARE SUPPLEMENTSThere are gaps in Medicare coverage that can leave you owing a significant amount of money to your health care provider. Medicare supplement policies help fill these gaps by paying for important services like:

  • Hospitalization and home health care services
  • Medical and surgical services
  • Chiropractic services
  • X-rays, mammograms and lab tests
  • Ambulance services
  • Physical, radiation and speech therapy
  • Dialysis and kidney transplant services

Medicare supplement policies can also help you pay for preventive health services not covered 100% by Medicare. We can help you gain a better understanding of how Medicare supplement policies can work with your current Medicare coverage.ACCIDENT & CRITICAL ILLNESSCan you afford a major illness?   Whether due to an accident, stroke, heart attack or cancer diagnosis you need to focus on your physical and emotional health. Your financial well-being may also become a concern with the mounting cost of your treatment.

An Accident or Critical Illness plan empowers you to fight the cost of treating a life-threatening disease or bills resulting from an accidental injury; enabling you to focus on your health.

Benefits from these policies can be used to cover the following expenses, depending on the type of plan:

  • Loss of income
  • Medical Bills
  • Experimental treatments
  • Travel to treatment facilities
  • Normal living expenses
  • Home health care
  • Training and rehabilitation

DISABLITIY INSURANCEMany people think disabilities are caused by accidents at the workplace, but the majority of disabilities are the result of illnesses. Disabilities do not discriminate based on age or gender; any person can become disabled, which is why it is important to carry disability insurance.

Disability insurance provides you with income protection should you become unable to work due to an injury or illness.  Under disability insurance you are compensated for a portion of your income; which is important because on top of lost income you may also experience increasing medical costs as a result of your illness or injury.

Having disability insurance prepares you for unexpected setbacks in your health.