Dental, hearing and vision insurance to cover all your different dental, hearing and vision needs.
A critical illness plan is a policy that pays the insured a lump sum following the diagnosis of an illness covered under the plan. Critical-illness plans often cover diseases like cancer, organ transplant, heart attack, stroke, renal failure, and paralysis, among others. There is no coverage if you’re diagnosed with a disease that isn’t on the specific list for your plan, and the list of covered illnesses varies from one plan to another.
There are many different critical illness plans available, with benefit amounts ranging from $5,000 to $500,000 or more. Premiums are based on the benefit amount and the age of the applicant. In the individual market, pre-existing conditions are not covered, and medical underwriting is used to determine an applicant’s eligibility for coverage. Critical illness plans are not regulated by the ACA and are not suitable to serve as a person’s only medical coverage. In recent years, critical illness plans have become increasingly popular to lessen the impact of high deductible employer or individual marketplace plans.
Hospital Indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover.
Long-term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed.
A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as: Your home, a nursing home, an assisted living facility, an adult day care center, Hospice
Cancer insurance policies can help you pay medical and other bills after a cancer diagnosis. It supplements health insurance and often provides a lump sum payment that you can use however you wish.