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Health and Other Related Benefits
Health Insurance can safeguard your assets from the high costs of health care. You may lack the financial resources needed to pay medical expenses associated with a health crisis, and the costs of physical exams, prescription drugs, hospital stays, pregnancy, and routine medical conditions can add up and cause you to suffer financial hardship if you must pay for them entirely on your own. Generally, health insurance pays for all or a portion of specified medical costs. The cost and range of protection that your health insurance provides will depend on your insurance company and the particular policy you purchase.
Health Insurance can safeguard your assets from the high costs of health care. You may lack the financial resources needed to pay medical expenses associated with a health crisis, and the costs of physical exams, prescription drugs, hospital stays, pregnancy, and routine medical conditions can add up and cause you to suffer financial hardship if you must pay for them entirely on your own. Generally, health insurance pays for all or a portion of specified medical costs. The cost and range of protection that your health insurance provides will depend on your insurance company and the particular policy you purchase.
Medicare
A Medicare Supplement plan, also known as Medigap, can help cover some expenses that Original Medicare does not. Medicare Supplement plans are sold by private insurance companies and can help with copays, coinsurance, and deductibles. Some plans even help cover medical care when you travel abroad. With a variety of options to choose from, you can find a plan to meet your budget and requirements.
A Medicare Advantage plan, also known as Medicare Part C, is health coverage offered by private insurance companies. Medicare Advantage plans offer the same benefits as Original Medicare (Part A and Part B) and often includes additional coverage such as prescription drugs, dental, vision, and hearing.
One difference between Original Medicare and Medicare Advantage is that most Medicare Advantage plans have dedicated networks of doctors and hospitals, much like employer or individual insurance you may have had in the past. With Original Medicare, you can use any provider that accepts Medicare.
There are standalone senior supplemental plans that have been created to meet the unique needs of older Americans. These plans are not part of Medicare but can be used in addition to your coverage. Other senior-specific plans available include dental, vision and final expense insurance.
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Life and Planning
Life Insurance provides funds for your loved ones when you die. If you’re working, your income can have a significant impact on the quality of your family’s lifestyle, even if you’re part of a two-income household. Life insurance protects your family by providing proceeds that can be used to replace your lost income if you die prematurely.
Life Insurance provides funds for your loved ones when you die. If you’re working, your income can have a significant impact on the quality of your family’s lifestyle, even if you’re part of a two-income household. Life insurance protects your family by providing proceeds that can be used to replace your lost income if you die prematurely.
Business Planning
Owning a business often requires you to make a significant investment of your time and finances. You don’t know what difficulties may lie ahead for your business, so you need to be protected. Whether you are just starting a business out of your home, or you manage a multimillion dollar enterprise, no matter how careful you are in running your business, accidents happen. As a business owner, you may be interested in several different types of insurance coverage: group health, life, and disability insurance coverage for you and your employees. Services also include business valuation, executive compensation, buy-sell, business continuation and transfer. You can buy these types of insurance separately, or you may be able to purchase a package of insurances covering many different potential hazards.
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