Individual Insurance
If you're one of the many who are not insured or under-insured,
then an individual and family health insurance plan may be the answer
to your health insurance needs.
Individual and family health insurance is health coverage specifically
tailored to those not covered by employer groups or organizations.
A broad selection of individual and family health insurance plans
is available. Less expensive plans may provide coverage in case of
a major accident or illness, while other plans may provide comprehensive
coverage for all your healthcare needs.
Dental Insurance
Dental Insurance is available to individuals and families that are
not covered on group dental insurance. For people without dental
insurance, cost often stands in the way of getting the care they
need to maintain the health of their teeth and gums. Even for routine
preventive care, a trip to the dentist's office could mean a substantial
amount of money out of your pocket.
A freedom-of-choice plan allows you to see any dentist you wish.
However, this plan does impose 6- to 12-month waiting periods for
some services. This is not the best plan for an individual who needs
comprehensive coverage within the first 12 months. However, if dental
coverage is desired for a long period of time, and there is no rush
to receive the major benefits, this plan may work for you.
Individual & Family
Health Insurance Quote
Individual Disability
Individual Disability Income Protection is a must for a business
owner, and highly recommended for executives. If you are a business
owner, you should consider purchasing both group and individual policies,
if possible. As an executive, you should be sure to obtain group
coverage if it is available. Only 43% of large companies
provide group long term disability insurance.
Your chances are even less likely to get long term disability insurance
if you work for a small company. The cost of a plan provided by your
employer is usually less than you would pay for an individual disability
policy and often you can get coverage automatically without having
to qualify medically. If your employer doesn't provide disability
insurance then you may want to consider an individual disability
policy.
Or, you may need a personal disability insurance policy to supplement
an employer group plan. Be sure to check the group provisions carefully:
How long does the group disability insurance coverage last? How much
is the benefit? Does the disability insurance policy cover bonus
and commission income? Will the coverage continue if you leave that
employer?
A typical Individual Disability Income Protection plan starts to
pay benefits after you have been off work for 1 to 6 months, and
pays benefits for several years or until retirement age, depending
on the policy.
Individual Health
Individual health insurance programs are designed for individuals
and families who cannot obtain health insurance through an employer.
Due to the continually rising cost of medical care, it has become
more important to provide health insurance for you and your families. Simplified Benefits offers health insurance programs to individuals
which offer extensive coverage as well as high-deductible programs
which are designed to protect against catastrophic financial losses.
As an independent agency, Simplified Benefits can provide insurance
plans from numerous health insurance companies. With the health insurance
market changing frequently, we are always on the lookout for quality,
service-oriented insurance companies for our clients.
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