A variety of healthcare plans that meet the needs of individuals, families and senior citizens are available from the
Supplemental Health Insuranceis insurance that helps with additional medical costs associated with hospitalization. Coverage for unexpected extra costs includes private room and private duty nurse fees, outpatient surgery, emergency room visits, extra transportation, lodging, meals, child care, and more. Some of the benefits of supplemental insurance include coverage starting the first day of hospitalization, no deductible, covered hospital stays are payable for up to a year for the same or related condition, reimbursements are paid directly to the insured.
Medicare Supplement Insuranceis an important part of health care for senior citizens. Medicare rarely pays 100-percent of medical care and what remains after Medicare has paid can make things very difficult for those living on fixed incomes. There are several Medicare supplemental plans for seniors but which plans are available is restricted by county. Check with your insurance agent to find out which plans are available in the county where you live.
- Individual Medical Coverage is designed for people who don't have individual health insurance through their or their partner's employer or through some other group. Individuals may be able to enroll in an individual medical plan outside of the yearly open enrollment period, especially when experiencing a covered event, such as having a baby, getting married or divorced, or losing health insurance for almost any reason. Individual major medical coverage provides the essential benefits required under the Affordable Care Act. Individuals may also qualify for reduced premiums. State Farm Individual Medical Coverage is offered in partnership with
Blue Cross and Blue Shield. The team at the Solvanginsurance agency will be happy to help individuals determine if a State Farm Insurancemedical plan is meeting their needs.
Disability insurance isn't exactly medical insurance, but it is still of value because if someone is unable to work due to injury or illness, disability insurance helps pay the bills. There are three types of disability insurance:
- Long-term disability helps replace lost income when you are unable to work.
- Short-term disability insurance assists with funds to help with monthly expenses like car payments, the mortgage or rent, credit cards and also helps replace lost income.
Individual Credit Disability Insurancepays monthly installments directly to financing institutions.
The right medical insurance plan can cover medical expenses and help with other expenses related to medical care. The team at the