Health, Dental, & Vision Insurance

 

Quote Now

 

Health Insurance

What type of Health Insurance is available for people under 65?

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

1. Fee-for-Service
   These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
    
2. Managed Care
   More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

There are also short term health insurance and non-traditional faith based cost sharing plans that are available.

Have additional questions? No matter the situation I can help you get answers.

• I changed jobs and my new job's health insurance doesn't start for 90 days.
• I started my own company and want to offer health insurance to my employees.
• I'm retiring but my wife will need health insurance until she is eligible for medicare.

• My employer doesn't offer health insurance.
  

 

Dental Insurance

Good health starts with a healthy mouth. Regular dental exams and cleanings can lower the risk of gum disease, which is linked to heart disease, diabetes, stroke, and other serious conditions. Dental insurance is rather unique. First, its low cost makes it highly affordable for individuals and families. Second, because dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately. Finally, the price of maintaining a healthy mouth can cost hundreds ... even thousands of dollars. Should you ever need costly care, from filings and crowns to periodontics and orthodontics, your dental insurance will be there to provide benefits when needed. So, if you buy dental insurance, you will probably use it. And, like millions of Americans who have protection, you'll probably be glad you did. Let me explain the difference between the discount policies and insurance policies. We will look at waiting periods, deductibles, and summary of benefits to pick the policy that meets your needs.

 

Vision Insurance

Vision insurance is a way to reduce eye care expenses. In exchange for a monthly premium, the plan picks up some of the costs of vision care. Vision insurance is different from a vision discount plan, which offers discounts on vision care. Typically, vision discount plans cost less per year than vision insurance, but you pay more for visits and eye wear than you would with insurance.

Most adults need vision correction: 66% of Americans 18 and over report using glasses, contacts or both, according to the National Eye Institute. Depending on how often you need new lenses or eye exams, getting vision insurance may be a smart financial choice.

Vision care is personal and so is your relationship with your eye doctor. That's why I provide you with access to care from great eye doctors, quality eye wear, and the affordable care you deserve. Plan features and benefits will vary depending on the provider, but features typically discounted include:

• Eye examinations
• Surgical procedures - including Lasik procedures where available.
• Frames
• Lenses
• Contact Lenses
• Non-prescription sunglasses

 

Have additional questions? No matter the situation I can help you get answers.

Contact me to get answers today at 1-239-404-1884.

 

Home