Medical Insurance
An unexpected illness or serious injury can ruin a family financially if they do not have some basic health insurance. While an individual or family health insurance policy may cost more than a group policy, it is better than having no coverage at all.
Most insurance companies offer the same types of managed healthcare plans to individuals that are offered to groups:
- HMO's (Healthcare Maintenance Organizations),
- PPO's (Preferred Provider Organizations), and
- POS's (Point of Service Plans).
Unlike group insurance, almost all insurance companies require extensive questioning about medical history and sometimes a physical exam in order to qualify for individual insurance.
Dental
Unlike medical ailments, which are usually unpredictable, most dental problems are preventable, which is why being protected by a dental plan and using it wisely is necessary for the long-term health of your entire family.Checkups and cleanings are the way to keep teeth healthy. With regular preventative care, problems are diagnosed early and treated with less expense to both insured and insurer, keeping the costs of dental care much lower than medical care.
Dental benefits plans can be categorized by the options offered for selecting a dentist, the amount of annual benefits, and the types of coverage included in the plan. Some plans allow you the freedom to choose your own dentist, while others limit your choice in exchange for lower rates. Some include allowances for orthodontics and other specialty dental services. To control costs, plans place an annual limit is placed on the amount of benefits received and services covered.
Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person's oral health is different, costs can vary widely.
We are here to assist you in finding medical and dental plans that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.
