Individual Health Insurance/Short
Permanent or temporary health insurance policies for
you and/or your family. Short-term policies may be medically underwritten,
are not guarantee issue, and may have exclusions for pre-existing
conditions. They are designed to fill gaps in your primary health coverage.
Individual Dental and Vision Plans
Dental Insurance for individuals or families. Preventive services with no waiting periods. Reasonable rates. VSP Vision Insurance to cover the cost of eye exams and glasses or contacts.
n addition to original Medicare, there are a number of options to help lower your out of pocket costs. People on Medicare are required to have continuing prescription coverage or pay a penalty for each month they were not covered. Medicare supplements can cover all or part of the expenses not covered by original Medicare. Medicare Advantage plans are private contracts between the government and insurance companies and pay instead of Medicare. They are required to pay at least as good as Medicare and usually offer additional benefits not covered by Medicare. In addition to copays for some services, they have a network of doctors associated with the plan and generally include prescription coverage. In HMO plans, you must see a doctor in network to have coverage and get a referral before you can see a specialist. In PPO plans, you may use in or out of network providers but usually will pay a higher copay for out of network services.
Your major medical plan may not cover you if you are
traveling outside the United States and serious medical events can
cause additional difficulties. Travel insurance is the economical
solution to be fully covered while traveling to another country from
the United States or to the US from another country.
Protect yourself from disastrous financial situations
in case of serious accident or illness. Supplemental plans offer cash
benefits to you to help with out of pocket medical expenses and well
as nonmedical expenses and lost wages while you are sick or injured.