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Healthinsure.com provides a wide range of individual health and supplemental insurance coverage from the carriers you know and trust. Our experts will provide the guidance you need to select the policy(s) that best fit you and your family’s needs.
Click to learn more on what these policies* may cover and how they work, and to get a quote.
Major Medical Plans
HealthInsure.com works with top carriers to offer major medical insurance to individuals and families.
Below are the various types of major medical policies you may purchase to meet your specific needs.
A Health Maintenance Organization or HMO offers lower premiums and a significant savings on routine and preventative healthcare. This type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
Wellness and Health Savings Accounts (HSAs) are cost saving strategies implemented into health plans to save consumers money on their healthcare costs. Employers have been implementing these tools into their benefit packages for years to save money on rising premiums. The concept is simple – a healthy person equates to less health claims for the insurer. Accordingly, many of today’s individual insurers offer the following similar benefits to individuals and families.
- Wellness & Healthcare Consumerism – information and tools about nutrition, exercise, preventative medicine, substance abuse and many other healthy alternatives to make decisions that improve your overall health and well-being.
- Health Savings Accounts (HSAs) – save you money and combine a tax-advantaged savings account with a high deductible, low premium plan. Make tax deductible contributions to the savings account. Dollars in your health savings account earn interest tax-deferred and roll over from year to year until you decide to use them. Withdrawals from your health savings account are tax-free as long as you use them for qualified medical expenses, as defined by the IRS.
Dental & Vision Plans
HealthInsure.com works with top carriers to offer quality dental and vision plans to individuals and families.
Below is general information on what these plan may cover and how they work.
Individual Dental Plans
Individual and family dental plans or policies are relatively inexpensive, but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.
Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
HealthInsure.com works with multiple life insurance carriers to fit your specific financial needs. We offer two basic types of life insurance, Term Life Insurance and Permanent Life Insurance.
Term Life Insurance is simple, affordable, and flexible at a 5, 10, 15 to 30 year fixed term. It is considered the most basic and affordable type of life insurance, designed to meet temporary needs. This type of life insurance does not build cash or investment value and only covers you for a set period of time, provided you pay the monthly premium.
Having term insurance means the carrier will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. In most cases, term life insurance proceeds are tax-free. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent Life Insurance provides lige-long protection and a savings strategy for the future. Whole life insurance (also known as cash value) builds up a cash value that has many benefits to the insured. Because the policy accumulates a cash value, the insured may borrow against the policy tax free or simply build a tax deferred investment income. The insured may cancel the policy for part of the cash value after a period of time. Upon the death of the insured, the policy pays the death benefit to the named beneficiary, also tax free.
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HealthInsure.com will help you hope for the best, but wisely plan for the worst with Short-Term Disability and Long-Term Disability to meet your financial needs.
Disability Insurance protects your most valuable asset during your working years, which is your ability to earn a living. Statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45, yet many people overlook adding affordable disability insurance to round out their protection portfolio.
During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.
Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.
Short-Term Disability generally allows for income payments to begin after about a two-week waiting period and will continue to pay until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.
Long-Term Disability generally allows for income payments to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay far longer than STD–for a few years, up to age 65, or even for life.
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HealthInsure.com will help you protect your financial future with quality Long-Term Care customized to fit your financial needs.
Long-term care encompasses a wide array of services that fall under two general categories – skilled care and personal care, but generally does not require a doctor or a nurse, and is not typically covered by regular health insurance, Medicare or disability insurance.
- Skilled care is provided when recovering from an illness or an injury.
- Personal care helps maintain the daily activities and functions of life.
The need for LTC is not always age related. Although more than half of all individuals age 65 & over will need LTC at some point, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64. It is never too early to plan for long-term care.
Here are examples of what LTC policies may cover:
- Institutional Care: Nursing home, assisted living services residential care facility, hospice care, adult foster home, respite care and more.
- Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
Short-Term Health Plans
HealthInsure.com offers short-term health insurance for times of transition.
Below is general information on what short-term health insurance may cover and how it works.
Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.
Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA) to avoid penalty. However, currently the future of the ACA is unknown at best and may be entirely repealed and replaced by a new healthcare law. We encourage you to call us for assistance to be sure you are in compliance with all federal and state healthcare laws.
Travel Medical and Trip Cancellation Insurance
HealthInsure.com offers a comprehensive range of travel insurance products that can be tailored to meet your specific travel needs.
Sometimes you need to leave home sweet home. Whatever the reason for your travels and stay, you don’t have to be without health insurance coverage. We offer a robust set of national and international health insurance and trip protection plans for Students, Educational Institutions, Individuals and Families, Employers and Employees, as well as Missionary Organizations and more. You’ll have access to doctors and hospitals in 180 countries in case of an unforseen illness or medical emergency while traveling.
We also offer insurance for trip cancellation and interruption, travel delay, medical expenses and baggage.
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HealthInsure.com offers certain types of Supplemental and Gap Coverages that will help you manage healthcare costs and avoid financial disaster in the case of “what if.”
The following policies are a smart, affordable strategy to supplemental your regular health insurance and cover healthcare and other costs related to an illness or emergency that a typical health insurance policy just wouldn’t cover.
- Critical Care
- Cancer/Critical Illness
- Hospital Indemnity
The policies may offer a specific benefit for a specific occurrence, and may provide a lump sum payment directly to you so you can decide how best to use the benefits. Some policies may even pay benefits in as little as one day.
To sign up for regular health insurance, you must do so during annual open enrollment:
NOV 1, 2017 to DEC 15, 2017
*You can enroll/purchase policies for all other insurance products on this page at anytime of the year.
*Information contained within is not a solicitation or offering of insurance and may contain inaccuracies. Please refer to your benefit certificate for specific limitations and exclusions. Offerings of insurance are made based only on submitted applications.