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Health Insurance

Central PA's Solution for Health, Major Medical, Disability, Long Term Care, Dental, Vision, Medical Supplemental Insurance


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Health Insurance

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Health Insurance
Let Us Find you Quality Health Insurance with Affordable Rates!

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage and eye care.

Fee-for-Service

These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

Managed Care

More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HMOs), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

Let Us Determine what Health Insurance is Best for You!

HMO coverage for groups
PPO coverage for groups
PPO coverage for individuals
Small business plan
High deductible health plans with or without a health savings account
Medicare Advantage products with prescription drug options
Third-party administrator (TPA) service, for self-funded employers
Fully insured point-of-service (POS) product

Insurance that covers most serious medical expenses up to a maximum limit, usually after a deductible and coinsurance have been met.

Let Us Find you Quality Health Insurance with Affordable Rates!

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage and eye care.

Fee-for-Service

These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

Managed Care

More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HMOs), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

Let Us Determine what Health Insurance is Best for You!

HMO coverage for groups
PPO coverage for groups
PPO coverage for individuals
Small business plan
High deductible health plans with or without a health savings account
Medicare Advantage products with prescription drug options
Third-party administrator (TPA) service, for self-funded employers
Fully insured point-of-service (POS) product

What are the Types of Disability Insurance?

There are two types of disability policies:

Short-Term Disability (STD) and Long-Term Disability (LTD):

Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

Non-Cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

Additional purchase options:
Your insurance company gives you the right to buy additional insurance at a later time.

Coordination of benefits
The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.

Cost of living adjustment (COLA)
The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.

Residual or partial disability rider
This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.

Return of premium
This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.

Waiver of premium provision
This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

Is Long-Term Care Insurance the Right Fit for You?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living – Sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.

Dental insurance is rather unique. First, its low cost makes it highly affordable for individuals and families. Second, because dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately. Finally, the price of maintaining a healthy mouth can cost hundreds ... even thousands of dollars. Should you ever need costly care, from filings and crowns to periodontics and orthodontics, your dental insurance will be there to provide benefits when needed. So, if you buy dental insurance, you will probably use it. And, like millions of Americans who have protection, you'll probably be glad you did.

Vision insurance refers to a contract between a consumer and an insurance organization which provides vision care in return for a premium. In exchange for their premium payments, consumers usually receive eye examinations (given by doctors and clinics contracted with the insurance organization) and corrective eyewear. Exactly how much of the fees are covered varies according to the specifics of the plan.

Even if you have perfect vision, proper preventative eye care is an essential practice towards ensuring the health of your vision in the years to come . The most important step is receiving routine examinations from a qualified eye care professional. Individuals between the ages of 20 to 40 are recommended an exam every 5 years or so, provided no visual changes or injury has occurred. Individuals over the age of 40 should have an exam every 2 years or so.

Plan features and benefits will vary depending on the provider, but features typically discounted include:

Eye examinations
Surgical procedures - including Lasik procedures where available.
Frames
Lenses
Contact Lenses
Non-prescription sunglasses

Contact us today for more information!

Medicare Supplemental insurance is a kind of health insurance policy sold by private insurance companies to fill the “gaps” in your Original Medicare Plan coverage.

You must be Medicare-eligible, which is usually 64.5 or older, and covered under Original Medicare A and B. Medigap policies don’t work with any other type of health insurance, including Medicare Advantage Plans, employer/union group coverage, Veterans Administration (VA) benefits, and a few others.

In each standardized Medicare Supplemental insurance plan, your benefits are identical from one insurance company to the next. This makes plan comparison much easier for the consumers, but your insurance premiums may vary from company to company. It is important to compare plans from different carriers. As you shop for a Medigap policy, you should be sure to compare the same type of Medigap policy. We would be happy to get you quotes from multiple insurance companies once you complete the "Get Quote Now" form.

Every Medicare Supplemental policy has to follow federal and state laws designed to make the buying process easier for the consumer in order to be designated a “Medicare Supplemental” or “Medigap” Plan. Medicare Insurance companies can only sell you a “standardized” Medigap policy identified by letters A through N. Each standardized Medigap or Medicare Supplement Policy must offer the same basic benefits, no matter what insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. You should also compare insurance companies on other measures such as customer service and reputation.

Please contact us with any questions that you have and we will be happy to furnish you with all the information that you will need to make an educated decision.