Health Insurance

Critical illness insurance or critical illness coverage is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy. The policy may also be structured to pay out regular income, and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a Heart bypass operation.

Contact us to learn more about the right critical Illness insurance for you.

Cancer insurance is a supplemental insurance policy designed to help cover the costs associated with cancer diagnosis and treatment, providing financial support for both medical and non-medical expenses. Cancer insurance is not intended to replace your primary health insurance but rather to supplement it. It provides additional financial protection against the high costs of cancer treatment, which can average thousands of dollars in the first year after diagnosis. This type of insurance can help alleviate out-of-pocket expenses that your regular health insurance may not fully cover, such as co-pays, deductibles, and other related costs.

Cancer insurance provides cash you can spend any way you choose for medical or non-medical expenses.

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Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that ensures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).

Statistics show that in the US a disabling accident occurs on average once every second. In fact, nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

Contact us to learn more about the right disability insurance for you.

Dental insurance is designed to pay a portion of the costs associated with dental care. Generally dental offices have a fee schedule, or a list of prices for the dental services or procedures they offer.

This plan may be helpful when you want to stay with your dentist, and he/she does not participate in a dental network. By the very nature of this plan the insurance company generally pays the dentist a percentage of your services according to the policy you purchased. In addition, you will want to review the co-payment requirements, waiting periods, stated deductible, annual limitations, graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work.

Dental Health Managed Organization (DHMO):

When a dentist signs a contract with a dental insurance company that provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods, no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.

Depending on your specific plan, the PPO works similar to a DHMO while using an In-Network facility. However, it allows you to use an Out-of-Network or Non-Participating Provider. Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy. As noted, some dental insurance plans may have an annual maximum benefit limit.

Thus, once the annual maximum benefit is exhausted any additional treatments may become the patient's responsibility. Each year that annual maximum is reissued. The reissued date may vary as a calendar year, company fiscal year, or date of enrollment based on your specific plan.