Major medical health insurance is a type of health insurance that covers the expenses associated with serious illness or hospitalization. These plans usually have a deductible, which the policy holder is responsible for and once paid the plan usually covers the remaining cost of care. Some plans may also have co-pays. Each plan is different and you should speak to a licensed agent to be sure you have the right plan for you.
Short Term Health Insurance
Short-term health insurance refers to health insurance plans with a limited duration, typically several months to a year. These plans are geared toward people who need temporary medical insurance to bridge the gap between longer term plans. There are many different options and you should speak to a licensed agent to help you choose the right one.
Fixed Benefit Health Insurance
A fixed indemnity insurance plan, works differently than other insurance you might have had in the past that helped pay for health-related costs. Fixed indemnity insurance pays a set benefit per specified medical expense, as opposed to a share of the total covered costs after a deductible, which is an approach you might be used to.
Accident Medical Expense
Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, as well as many other expenses. Each plan is different, so it’s important to understand your plan before purchase.
Dental, Vision, Hearing
There are many different options available for dental, vision and hearing. Some services are covered immediately and for others there is a waiting period. Speak to a licensed agent to make sure you get the right plan for you and your family.
Critical Illness Protection
Critical illness insurance is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. There are many different life insurance options and it’s important to work with a licensed agent to get the plan that is right for you.
Group Health Plans
Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Risk is spread across the organization, usually resulting in a lower cost. A licensed agent can get you additional information for your group plan.
Medicare can be tricky to navigates. There are so many choices and if you don’t understand it or know what questions to ask, it can be very frustrating. The Pauley Agency’s policy is to be a resource for anyone who has questions about their medicare options. We have a lot of information that can be helpful when working through the sign up process.
Short Term Disability
Short-term disability insurance is an insurance product that replaces your income for a short period of time in the event that you experience a disability. These types of plans will usually cover up to 60% of your income.