Not taking care of your oral health could be costly. Those without dental coverage are less likely to get routine dental care and seek out a dentist only when they have a problem. By then, more extensive and more expensive measures may be necessary. Major problems linked to poor oral health (like heart disease and diabetes) are more likely to appear. Doing nothing now means you might pay more later. Dental Insurance is designed to pay a portion of the cost associated with dental care. We have multiple plans with different levels of benefits to help you find the best dental insurance to fit your budget and help you plan and control the cost of your dental care.
Vision Insurance can help you cover and budget for ongoing vision car expenses like routine eye exams, prescription glasses and contact lenses.
- Coverage for people of all ages.
- No waiting periods
- Savings through a national network of vision service and eye ware providers
Accidents can happen to anyone. Whether it’s a broken bone, a laceration, a sprain, a car accident or an allergic reaction to a bee sting, meeting the cost for treatment and recovery after an injury can be challenging. An affordable accident insurance plan can help you pay for the expenses that are not fully covered by your health insurance plan.
Group business health plans can be more affordable than buying coverage by yourself. Here’s what you need to know:
- Coverage is generally guaranteed issue
- You need at least one employee to qualify
- You must contribute toward employee premiums
- And you can shop for coverage at any time of the year
Individual & Family Insurance
Individual and family plans help cover expenses in the case of serious medical emergencies and help you and your family stay on top of preventative health-care services. Having health insurance coverage can save you money on doctor’s visits, prescriptions drugs, preventative care and other health-care services. Typical health insurance plans for individuals include costs such as a monthly premium, annual deductible, copayments, and coinsurance.
Medicare supplements provide private insurance coverage that helps fill the gaps in Medicare Parts A and B. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like deductibles copays and coinsurance. They don’t cover long-term care (like nursing home care), routine vision, dental or hearing care, hearing aids, eyeglasses, or private-duty nursing.
Medicare Part C plans are usually referred to as “Medicare Advantage” plans. All Medicare Advantage plans are run by private companies, and they all combine coverage for hospital stays with coverage for doctor visits. You can choose a plan that includes prescription drug coverage, often at no additional premium, or you can choose a plan without prescription drug coverage.
Medicare Part D is a separate insurance policy from called a prescription drug plan (PDP) that helps pay for your prescription drugs. You can buy from private insurance companies, or some types of Medicare Advantage plans that include drug coverage.