Health insurance is one of the most valued benefits offered by employers or purchased by individuals. It comes in three types: HMO (health maintenance organization), PPO (preferred provider organization), EPO (exclusive provider organization), and POS (point of service organization).
Each of these health insurance options offers a specific set of benefits and varies in cost. Choosing the right plan for you or your family requires understanding its benefits. A local insurance agent can explain your options and help you decide on the plan that best matches your needs and budget.
If you have a medical provider, clinic, or hospital you trust, the provider must be contracted in the health insurance plan’s health network. Health insurance policies list the in-network medical professionals you can review before settling on a plan.
Dental Insurance
Some health insurance plans offer the option to include dental insurance, which offers discounts on various dental services. Review the benefits of a health insurance plan if you are interested in one that offers dental insurance coverage. You can also purchase a stand-alone dental insurance plan.
Disability Insurance
Disability insurance pays a monthly benefit should you become incapacitated and unable to earn a living. The benefits paid are a certain percentage of your income if you continue to work. The duration of the benefits, the amount paid, and whether you are required to seek other employment before becoming eligible for benefits vary from policy to policy.
If you or a loved one has specialized health care needs, some health insurances, specifically Medicare, SSDI, Medicaid, and SSI Disability, are available. In addition, under the Affordable Care Act, health insurance companies cannot deny people who apply for health insurance who have preexisting health conditions.
Long-Term Care Insurance
Long-term care insurance covers the cost of services an individual needs when they cannot care for themselves. These policies can provide benefits for in-home care, the price of a nursing home, an assisted living facility, or an adult daycare center. Standard health insurance policies do not cover long-term care, and Medicare pays for only short-term stays at nursing facilities.
You should purchase long-term care insurance in your younger years, as the cost is lower. As the years pass, the rates increase. Most insurance companies will not issue long-term care policies to people aged 75 and older. Rather than depleting your estate to pay for the cost of a nursing home, long-term care insurance is an intelligent way to protect your assets.
Vision Insurance
If you wear glasses or contacts, vision insurance can deliver significant savings. A vision insurance plan reduces the cost of regular eye exams, glasses, and contacts. Some health insurance plans include vision insurance, and others don’t. You can purchase a stand-alone vision insurance plan for lower out-of-pocket costs of vision correction services, including eye exams, eyeglasses, frames, and contact lenses.
Our brokers specialize in providing Medicare health insurance beneficiaries enrollment help, education, and unbiased healthcare plan advice, FREE of charge. When you or a loved one needs assistance applying for or comparing their original Medicare Part A, Part B, Part C, and Part D health plan options, we are always ready to help. Appointments can be requested online or via phone. In-person home visits may not be available in cities, towns, counties, and states.
Below are some of the local states, cities, and towns.
O’Neal Insurance and James O’Neal, a licensed health insurance broker specialist, offer free phone and online appointments and Zoom meetings.
Alabama, Arizona, Arkansas, California, Florida, Georgia, Chicago Illinois, Indiana, Kansas Kentucky, New Orleans Louisiana, Henderson, Summerlin, North Las Vegas, Michigan, Jackson Hattiesburg Petal Gulfport Laurel Gulfport Biloxi Pascagoula Ocean Springs Moss Point Mississippi, Minnesota, Missouri, Montana, Nevada, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, D.C., District of Columbia, and Wisconsin.
To residents looking for advice and guidance comparing, enrolling into Original Medicare, Part A, Part B, Part C, Medicare Advantage plans, Prescription drug coverage, Dental, Vision, Hearing, Critical Illness, Cancer, Stroke, Heart Attack, ESRD (end-stage renal), Diabetes, High Blood Pressure, Kidney Disease, Hospital indemnity, Medicare supplement, Medigap.
