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Glossary of Common Terms


Accelerated Benefits:
A type of benefit rider for life insurance plans which allows the policy holder to use their benefits to cover the costs of nursing home care.

The accessibility for health care for a particular patient. Access may vary according to the policy holder’s location, or the type of health care services that are offered in that particular location.

Accidental Death and Dismemberment:
A type of policy provision for a Disability Income health insurance policy. This provision will either pay a set amount or a weekly benefit if the policy holder loses their sight, suffers the loss of two limbs in an accident, or dies. If the policy holder loses sight in only one eye, or loses only one limb, the payment amount is less.

Actual Charge:
The actual dollar amount that a physician will charge for their services.

Acute Care:
A type of medical care requiring the efforts of skilled workers, either medical or nursing professional, to restore an individual to a healthy condition.

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Individual and Family Plans


Today, hospital charges rountinely cost $4,000 to $6,0000 per day.  Should you ever have a catastrophic illness or accident that puts you in the hospital, it is easy for your hospital bills to exceed $40,000 to $50,000 or more. This makes it incredibly important to get the right coverage. With hundreds of plans to select from, it’s a formidable task to effectively research and determine which plans are best suited to you, your family and your pocketbook.

Let us help get you covered. Call Us. Not only will we show you different plan options, but we’ll assist you through each step of the application process and with any follow-on claims or processing you might have. Working together we can help you avoid all unnecessary hassles and get you to best coverage for your hard earned dollars.

Frequently Asked Questions

What do I do if I have a questions?

Please call us at (800) 300-1376 and we will be happy to answer any question you may have.

Why is individual or family health insurance often cheaper than the group insurance from my employer?

Individual health insurance typically costs less than group insurance. This price difference is mostly due to medical underwriting, whereby insurance companies can deny or limit coverage based on an applicant’s health status. In addition, individual and family health insurance policies often have high deductibles, limited maternity and limited prescription drug coverage. As you shop for health individual or family health insurance please pay particular attention to these items.

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Employer/Group Plan FAQ’S


What information do I need to collect to get a quote?

Insurance companies will need a census of your employees that includes the number of employees, their birth dates, their genders, birth dates of dependents to be covered, and the number of children to be insured. In addition, they will need your company’s inception date and the start date of coverage.

Half of my employees are insured elsewhere. What should I do?

This is a challenge for small business owners. If one of your employees has a spouse who has family coverage where he or she works, your employee may be covered on that policy, and not interested in group health insurance.

If you want to offer a group plan, be aware that your insurer may require you to cover all of your employees.

Can I purchase and offer individual plans to my employees?

Maybe, but individual plans do not offer the advantages of group plans. Generally, with individual plans, your employees would be subject to individual underwriting. An employee who needs the coverage may not be eligible.

Another thing to note is that the contributions you make towards the cost of individual policies may be taxable as compensation to the employee. Check with your accountant for details.

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Medicare FAQ’s


Q: What is the difference between Medicare and Medicaid? 

A: Medicare is a federal insurance program. Medical bills are paid from trust funds that those who are covered have paid into. It primarily serves people over 65 and younger disabled people and dialysis patients. Patients pay part of costs through deductibles for hospital and other costs. Small monthly premiums are required for non-hospital coverage. Medicare is a federal program. It is basically the same everywhere in the United States and is run by the Centers for Medicare & Medicaid Services, an agency of the federal government.

Medicaid is an assistance program. Medical bills are paid from federal, state and local tax funds. It serves low-income people of every age and seniors that require nursing home care if they qualify.. Patients usually pay no part of costs for covered medical expenses. A small co-payment is sometimes required. Medicaid is a federal-state program. It varies from state to state. It is run by state and local governments according to federal guidelines

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