We hope you have a long and healthy life, but there are occasions when you need to be
treated for health problems. Health insurance offers a way to help cover the costs of treatment if
you or your loved ones fall ill. We work with you to find the best plan for you, based on cost and services,
and the best type of health plan for your unique needs.
Long-term care – the basic activities of daily living such as dressing, bathing, eating, walking
– of an infirm family member of any age often is not covered under health insurance plans, and without
it, the cost of caring for that family member can quickly become a financial burden. With a longterm
care plan, you can focus on the family member's needs without worrying about long-term cost.
Sometimes, an illness or injury can prevent you from working, which, in turn, can mean that
your income stops until you are able to go back to work. Disability insurance can offer peace of
mind and help protect you against a complete loss of income if you become disabled. How much
you receive if you become disabled is based on the kind of policy you have, but, in general, you will
be protected against the loss of approximately half your income.
Life insurance helps provide for your beneficiaries when you pass away. Life insurance
can't take your place, of course, but it can provide some financial peace of mind knowing that your
family will continue to be able to maintain their standard of living in your absence. It's important to
note that there are different types of life insurance; we want to make sure that you select the one
that's right for you.
Medicare is a wonderful government healthcare benefit, but it doesn't cover everything,
which is why someone on Medicare needs to purchase supplemental insurance, one for medical
expenses and one for drug costs. There are many of them, and choosing the one that works best
for you can be a time-consuming and frustrating process. We can help you navigate the confusion
and decide on the right plans.
Nobody looks forward to a root canal, but sometimes you need one, or other procedures to
restore the health of your teeth and gums. Dental insurance focuses on prevention by covering the
costs of regular checkups and cleanings that can prevent many common dental problems. Some
plans do cover a portion of things like fillings and crowns, but they are designed primarily to offer you
a means of preventing dental problems before they start.
A regular health care plan will protect you against financial loss due to unexpected eye injury
or disease. Vision insurance is a supplement to your health plan. Most vision benefit packages
help cover of the cost of routine, preventive eye exams and also offer allowances toward the purchase
of eyeglasses and contact lenses. Some policies also offer discounts on surgical procedures
such as LASIK and PRK.