Health Insurance

Individual Health - Individual health insurance is coverage that a person buys independently. It can be sold to a single individual, to a parent and dependent children, or to a family. Individual health insurance is very different than group health insurance, which is the type of insurance that is offered through an employer. Since laws mandating what types of services must be included in individual policies are often different than those dictating what must be included in group policies, benefits are generally less extensive than what most people would receive through coverage they have through work.

Group Health - Plans are available to groups with a minimum of 2 fulltime employees or business owners. A minimum of 2 employees must enroll to be eligible except in certain situations. Health insurance carriers require 75% of all eligible employees to enroll.

Disability - Designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation either short or long term.

Supplemental - Coverage that you may purchase to supplement or fill the gaps in your health insurance coverage. The most common types of supplemental insurance are Cancer, Critical Illness, Accident, Hospital Indemnity, Medicare Supplements, and Dental policies.

Long Term Care - A type of insurance that provides for skilled, intermediate, and custodial care in a private home, adult daycare setting, assisted-living facility, or nursing home. Long-term care provides money to pay for assistance with the activities of daily living. The policy kicks in when two of the five activities of daily living cannot be performed. The activities of daily living are transporting, feeding, bathing, dressing and being able to use the bathroom on your own. This policy pays a daily benefit to help cover the cost.

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