| Supplemental Insurance |
Finding supplemental insurance is not as daunting as it may seem. I am a licensed agent who offers free assistance finding an affordable plan that suits your needs.
Supplemental insurance coverage is one of the most overlooked aspects of a person’s financial security. The truth is that most people don’t know what they need, and the process of finding supplemental insurance can be overwhelming and confusing. Supplemental insurance provides you benefits such as low-cost dental or vision plans, cash when you’re sick or injured, or even life insurance to cover your mortgage payments if something happens to you.
Dental Plans
Dental plans are becoming more and more popular in the US. The rates for dental procedures have increased dramatically over the last decade, and people are looking for ways to save money on their dental care. I can connect you with discount plans where you can get discounts on your dental treatments based on your income level or if you have another type of supplemental insurance like an HSA or FSA. Once you have determined your needs, I’ll help you compare the different plans to find one that fits your budget and covers all of your needs.
Vision Plans
Supplemental vision plans are often an option for those who do not have a vision care plan through their employer. The benefits of these plans are that they cover a wide range of ages and offer more coverage than traditional eyeglasses.
Vision insurance is also another option for those who cannot afford to pay out-of-pocket for their glasses or contact lenses. It can be an affordable alternative to paying the full cost up front and receiving reimbursement from your insurer at the end of the year. Weather you need a supplemental vision plan for yourself or for your children, I can connect you with the perfect plan, cost-free.
Accident Plans
The critical illness and cancer plans are designed to offer you a sense of relief from the financial burdens that come with a major illness or cancer diagnosis. The policies, which are offered by most insurance providers, pay out a cash sum if the insured person is diagnosed with one of the specified illnesses. The cash payout is usually tax-free and can help you pay for medical care, rehabilitation, and other expenses.
Critical Illness and Cancer Plans
The critical illness and cancer plans are designed to offer you a sense of relief from the financial burdens that come with a major illness or cancer diagnosis. The policies, which are offered by most insurance providers, pay out a cash sum if the insured person is diagnosed with one of the specified illnesses. The cash payout is usually tax-free and can help you pay for medical care, rehabilitation, and other expenses.
Hospital Confinement Plans
Hospital confinement plans are a form of supplemental insurance that covers the cost of your stay in the hospital. The plan pays out a specified amount based on the length of your hospital stay, which is often less than what your health insurance pays. These plans are available to those who do not have health insurance or for those who have high deductibles and want to cover their medical costs in full.
Disability Plans
A disability plan is a type of insurance that pays the policyholder a monthly income in the event of an injury or illness. This is in addition to any other retirement or savings plans that the individual may have and provides you income while you’re unable to work. Disability plans are an important part of financial security for many people, and can be adjusted to suit each individual’s needs.
An injury or illness can happen at any time, and it is important to have a plan in place should one occur. The most common types of disability include long-term, short-term, and critical illness coverage. There are also plans that cover occupation-specific injuries and illnesses, such as those related to police work or construction work.
Long-term care plans are insurance policies that pay for the cost of care in assisted living facilities, nursing homes, and other long-term care facilities. This type of insurance is often sold as a supplement to Medicare or as a stand-alone policy. The average cost for long-term care is about $200,000 and they help with the financial burden caring for the individual places on families. I can help you find the perfect plan that eases the minds of you and your loved ones.
Fixed Indemnity Plans
A fixed indemnity plan is a type of insurance that pays a set amount of money to the policyholder in exchange for coverage. It is typically used to cover deductibles and other out-of-pocket expenses.
The fixed indemnity plan is sometimes called an “indemnity” or “fixed payment” plan. It typically provides coverage for medical expenses, such as deductibles and co-payments, but does not cover what are called “major medical expenses,” such as hospitalization, surgery and long-term care. Contact me below to be connected with the supplemental insurance plan that fits your needs.
