Health
In the event of a serious illness or accident, who will pay your bills? To protect yourself and your family, prepare for the unexpected. There are health policies that vary from the very basics to the upmost coverage. We can help you pick the perfect policy for you and your family.
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Products Offered:
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Individual*A broad term describing protection from loss due to illness or injury, resulting in loss of life, loss of earnings, or expenses incurred. Within the broad area of health insurance, there are several major coverage which focus on more specific needs, for example, accident insurance, disability income insurance, hospitalization insurance, and sickness insurance.
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Family*Health insurance protection designed to cover the family unit as a whole instead of on a per-person basis.
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HSA - Health Savings Account*A Health Savings Accounts (HSA) is a type of medical savings account that allows you to save money to pay for current and future medical expenses on a tax-free basis. In order to be eligible for a HSA, you must be covered by a high-deductible plan and not have any other health insurance. HSAs are a good option for individuals who want to protect themselves from catastrophic health-care costs, but don't anticipate many day-to-day medical costs.
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Short-Term Major Medical*This is a health insurance plan that covers major hospital, medical and surgical services resulting from a covered accident or sickness. Coverage is subject to the policy exclusions and limitations. Typical coverage terms are from one to twelve consecutive months. This product is primarily used for those in between jobs, recent college grads who are between coverage from their parents and their new employer, or for those who are not yet eligible for their group coverage due to a new-hire probation period.
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Dental*Health insurance coverage for specified dental services, most often provided on a group basis.
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Vision*Discount plan offered with individual health insurance policies on a voluntary basis.
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Group Health*Group insurance programs designed to offer affordable health coverage to a natural group, such as employees of an employer or members of an association and their families. A single contract is provided for the entire group which outlines the standard benefits, terms and provisions that apply to all members of the group. Individual certificates are usually issued to the members to verify that they are covered.
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Group Dental*Plan that provides dental coverage with either network or out-of-network dentists or specialists. There are several options available, from basic preventative care to options that include major restorative and orthodontic services.
Definitions & information from Sage Property & Casualty. www.silverplume.com
