Even with Medicare Advantage plans, a hospital stay can lead to unexpected out of pocket costs. Hospital Indemnity insurance is designed to help you bridge that financial gap, providing cash benefits directly to you when you need them most. Available for ages 18-89, protect yourself from the financial burden of a hospital stay and gain the flexibility to cover deductibles, copays, and even household expenses.
Watch the video below to see how this coverage can give you greater peace of mind
I can help you explore options to find the one that provides the best financial security for you, at a premium you can afford.
Call Today to schedule your no-obligation consultation.
Dental and vision insurance plans are designed to help you manage the costs associated with routine dental care, eye exams, and corrective eyewear. While some comprehensive health plans may include limited dental or vision benefits, these specialized plans offer dedicated coverage for these important aspects of your health.
Dental insurance helps cover the costs of dental care, encouraging regular check-ups and addressing issues before they become more serious. Most dental plans categorize services into:
Preventive Care: Typically covered at a high percentage (often 80-100%), including routine exams, cleanings, and X-rays.
Basic Procedures: Covered at a lower percentage (e.g., 50-80%), such as fillings, extractions, and root canals.
Major Procedures: Covered at the lowest percentage (e.g., 20-50%), including crowns, bridges, dentures, and sometimes orthodontics.
Plans often have annual maximums (the most the plan will pay in a year) and deductibles (what you pay before the plan starts to pay).
Vision insurance helps make eye care more affordable. These plans typically cover:
Routine Eye Exams: Often covered fully or with a small copay.
Eyeglasses: Benefits usually include an allowance for frames and lenses, or a discount on these items.
Contact Lenses: An allowance for contact lenses may be provided in lieu of eyeglasses.
Discounts: Some plans offer discounts on laser eye surgery (LASIK).
Like dental plans, vision plans may have specific waiting periods, copayments, or limits on how often you can receive certain benefits (e.g., one eye exam per year, one pair of glasses every two years).
It's important to note that stand-alone dental policies are widely available. This means you can purchase a dental insurance plan separately from your primary health insurance, even if your main health plan does not offer dental benefits or if you desire more comprehensive dental coverage. These policies can provide dedicated benefits for your oral health needs, regardless of your medical insurance carrier.
Prioritizing your oral and eye health is an investment in your overall well-being. With dedicated dental and vision insurance, you can access eye the care you need without unexpected financial strain. Let's connect to explore affordable plans that help you maintain a healthy smile and clear vision for years to come.
If you enroll in a plan through one of the following links, I may receive compensation from the insurance carrier. This compensation does not affect your premium or the benefits you receive. My goal is always to help you find the plan that best fits your needs.
Find Ameritas Dental and Vision Insurance in your area
Find Humana Dental and Vision Insurance in your area
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Important Disclaimers:
This is a solicitation for insurance. A licensed insurance agent may contact you.
Dental & Vision and Stand-Alone Dental Insurance Policies pay limited benefits only. They do not constitute comprehensive health insurance coverage and are not intended to cover all medical expenses. This coverage does not satisfy the "Minimum Essential Coverage" entailed in the Affordable Care Act (ACA). This coverage is not Medicaid or Medicare Supplement Insurance. Benefits, premiums, and availability may vary by plan, carrier, and state. Limitations and exclusions may apply. Please refer to the policy for complete details.
Short-term health insurance is a type of health plan designed to provide temporary coverage for a limited period, typically ranging from a few months up to a year (though regulations vary by state). It is intended to bridge gaps in your health coverage during times of transition.
Temporary Coverage: As the name suggests, these plans are not designed for long-term health needs. They offer coverage for a defined, shorter duration.
Not ACA-Compliant: Short-term health plans are not considered "minimum essential coverage" under the Affordable Care Act (ACA). This means they do not have to cover the 10 Essential Health Benefits mandated by the ACA (such as maternity care, mental health services, or prescription drugs).
Underwriting: Unlike ACA plans, short-term plans can often deny coverage based on your health history or pre-existing conditions. They may also apply waiting periods for certain benefits.
Limited Benefits: Benefits are typically more limited compared to comprehensive major medical plans. They are primarily designed to cover unexpected medical emergencies or illnesses, not routine care or pre-existing conditions.
Lower Premiums: Due to their temporary nature and more limited benefits, premiums for short-term plans are generally lower than ACA-compliant plans.
Short-term health insurance can be a suitable option for individuals who are:
Between jobs or waiting for new employer-sponsored coverage to begin.
Waiting for the next Open Enrollment Period for an ACA-compliant plan.
Young adults coming off a parent's plan.
Healthy individuals who need temporary catastrophic coverage.
If you had a pre-existing condition (e.g., chronic back pain) and sought treatment for it, the short-term plan likely would not cover those costs.
Routine doctor visits or prescription refills for ongoing conditions might not be covered, or might have very limited coverage.
Once your 3-month plan ends, you would need to find new coverage, as short-term plans are not renewable indefinitely or guaranteed.
Short-term health insurance can be a critical bridge during life's transitions, but understanding its unique role and limitations is essential. Don't risk being uninsured or underinsured. Let's connect to determine if a short-term plan is the right temporary solution for your specific needs, ensuring you have the coverage you need, when you need it most.
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Important Disclaimers:
This is a solicitation for insurance. A licensed insurance agent may contact you.
Short Term Health Insurance Policies pay limited benefits only. They do not constitute comprehensive health insurance coverage and are not intended to cover all medical expenses.
This coverage does not satisfy the "Minimum Essential Coverage" entailed in the Affordable Care Act (ACA). This coverage is not Medicaid or Medicare Supplement Insurance.
Short-Term plans are temporary and generally not renewable, or they may be subject to re-underwriting upon renewal. These plans may deny coverage based on your health history and typically do not cover pre-existing conditions.
Benefits, premiums, and availability may vary by plan, carrier, and state. Limitations and exclusions may apply. Please refer to the policy for complete details.
For comprehensive protection during your journeys, consider Travel Insurance. It offers valuable benefits for unforeseen events that can disrupt your trips, providing coverage for things like emergency medical expenses, trip cancellation or interruption, lost baggage, and travel delays. Travel insurance is designed to give you peace of mind and financial security against common travel risks, whether you're traveling domestically or internationally. It can be particularly helpful for managing unexpected costs that your regular health insurance might not cover while you're away from home.
IMPORTANT DISCLAIMER:
CHL Insurance Solutions, LLC provides this information for your convenience. We do not directly sell or advise on travel insurance plans. For self-quoting and enrollment options, please use the affiliate link by clicking the image below, which will direct you to a third-party provider.
If you enroll in a plan through the following link, I may receive compensation from the insurance carrier. This compensation does not affect your premium or the benefits you receive.
Supplemental Health Policies provide specific benefits and are NOT comprehensive health coverage. These policies are not designed to replace your major medical insurance (e.g. Medicare, Marketplace). Be aware that many supplemental policies have pre-existing condition limitations; review your policy details carefully.