Insurance Plans
-
Life Insurance
- Health Insurance
Direct Quote link
 |
Dental Insurance comes in both DHMO, HMO and PPO.
DHMO: Dental Health Maintenance Organization is a network plan which provides various dental procedures for a fixed copayment. Patients are required to choose a primary dentist within the network.
PPO: Preferred Provider Organization is an attractive and flexible plan for people who enjoy the freedom to choose any dentist within the provider network. Unlike the HMO type plans which requires you to choose a primary care dentist, there is no primary care dentist requirement. The freedom of the PPO dental plan comes with deductable and coinsurance out of pocket expenses.
Disability Income Insurance replaces your income or a portion of your income in the event of temporary or permanently disability due to illness or injury. There are a number of conditions which must be met before any benefit is paid out. First the insurance company must evaluate the portion of your income which is qualified for replacement, taking into consideration any benefit you will receive from social security. At the time of enrollment the insure must choose an elimination period, which is the time between the disability claim and when payment starts.
HMO This is a great choice to obtain good health care for a reasonable low cost base on your age and the insurance underwriting requirements. There is one major limitation with this type of coverage, this might not be the right plan for individuals who like to make regular changes in doctors, specialist care or second opinion medical care. The lack of flexibility cannot be ignored, applicant must choose a primary care physician within the network for all their medical care. Specialist care is included in the HMO plan, however these services can only be accessed through a referral by your primary care physician.
HSA Health Savings Account has two parts, first you must purchase a HSA High Deductable Health Plan. Once the High Deductable Health Plan has been purchased, the Second half of the plan can be implemented by opening a saving account with a financial institution of your choice. The account is allowed tax free accumulation over it's life and funds from the account can be use to pay qualified medical expenses.
Some example of qualified Medical expenses
See Irs publication on qualify medical expense
PPO Allows you the freedom to use any doctor within the network unlike the HMO plan. However, this freedom comes at a cost in higher premium. Also your out of pocket expenses can be greatly increased should you go outside of the network for medical care.
Short Term Health ideal for the person in need of Health Insurance for short period. Plan typically last anywhere from 30 days - 12 months, coverage can protected you from unexpected medical events.
Cancer Insurance pays directly to the policy holder the amount set fort in the policy regardless of any other insurance you might have. The money received can be used to pay cost associated with your treatment or as you see fit. Cancer policy varies by insurance companies. However benefits normally includes diagnostic testing, hospital confinement, private nurse and transportation.
Critical illness Plan. is a supplemental insurance plan which pay a lump sum benefit upon diagnosis of a critical illness or condition. Benefits of the critical illness plan varies by insurance companies, however this is a good supplemental plan in additional to your regular health insurance coverage.
Long Term Care Insurance Plan
provides assistance to people who are unable to perform the basic activities
of daily living. The plan generally covers home care, assisted living
facilities, adult
daycare, hospice care and nursing home. Some of the most common services
includes assistance with daily task such as dressing , transportation and
doctors visit.
