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Major Medical Plans - Instant Quotes
There are various types of major medical plans to choose from.
A Health Maintenance Organization or HMO offers lower premiums, savings on routine and preventative healthcare, and requires you to use doctors and facilities that are affiliated with the HMO.
A Preferred Provider Organization or PPO will save you the most money on healthcare if you use the providers within the network. Deductibles must be met on this plan before some services will be covered.
Wellness and Health Savings Accounts (HSAs) are cost saving strategies implemented into health plans to help save consumers money on their healthcare costs.
Annual Open Enrollment
The Affordable Care Act requires you to sign up for regular health insurance during annual open enrollment:
NOV 1, 2017 to DEC 15, 2017
Affordable Care Act (ACA) Exempt Health Plans
ACA Exempt Health Plans are health plans that are non-compliant with the essential benefits mandated by the Affordable Care Act (ACA), but most often provide customized health benefits that you need at a much less expensive premium. Certain individuals that may be exempt from the ACA requirement (click here for more information) may want to consider an ACA Exempt Health Plan. Individuals who need coverage, but have missed the open enrollment period may also benefit from an ACA Exempt Health Plan.
Short Term Health Plans - Instant Quotes
Short Term Medical Plans help to bridge gaps in coverage (1 – 11 months) and may be less expensive than traditional health insurance because they do not provide full coverage, and they do not cover pre-existing conditions. Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA).
Life Insurance Instant Quotes
There are two basic types of life insurance:
Term Life is easy and generally the most affordable type of life insurance. It does not build cash or investment value and only covers you for a set period of time, provided you pay the monthly premium. Having term insurance means the carrier will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term.
Permanent Life Insurance provides life-long protection and a savings strategy for the future. Whole life insurance (also known as cash value) builds up a tax-free cash value that may be borrowed against, if needed. Upon the death of the insured, the policy pays the death benefit to the named beneficiary, also tax free.
Accurate quotes up to $5,000,000 in benefits.
Applications are done from a secure site.
Dental Plans - Instant Quotes
Vision Plans - Instant Quotes
Group Quote Form
Travel Health & Trip Cancellation Insurance
Global Travel Medical
Individual & family – Short-term coverage available from five days up to two years.
For those looking for temporary medical insurance coverage while traveling outside of their home country.
Individual & family – Flexible long-term annual renewable plans.
For those looking for longer term medical insurance coverage while traveling outside of their home country.
Trip Cancellation Insurance
Individual & family trip cancellation.
Travel protection for those unable to travel or are interrupted during their covered trip due to circumstances, such as a sudden and unexpected illness or injury, death in the family, jury duty, job layoff and more circumstances.
For Budget Conscious Travelers
Designed to provide benefits to travlers for unforeseen circumstances that may force the cancellation or interruption of a covered trip.
Trip Special Coverage – Plans for Evacuation or Adventure Sports
Individual & family.
Travel protection for short-term medical coverage, available from 30 days up to six months. This coverage is designed for the adventurous international traveler and provides benefits for those traveling abroad who intend to participate in non-contact amateur athletic activities and a select group adventure sports.
Individual and Family
Short-term coverage available from three to twelve months for those needing emergency care & services. This coverage provides international emergency services, including emergency medical & political evacuation, repatriation, reunion and return of mortal remains combined with international travel assistance services.
Critical Illness Insurance
The benefits are paid directly to you and can help you to keep up with everyday bills, and out-of-pocket medical expenses as you recover from your illness.
Some key features:
- Lump-sum cash benefit paid directly to you.
- You decide how best to spend your payment.
- There are no network restrictions.
- Benefit level choices to fit your needs and budget
What is Disability Insurance?
Disability Insurance protects your ability to earn a living during your working years. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
Short Term Disability
A standard Short Term Disability (STD) policy allows for income payments to begin after a two-week waiting period. Payments will continue to the insured until he/she recovers or maxes out the benefits. Thus, total benefits for a STD could last for anywhere from one month to two years, depending on the policy.
Long Term Disability
A Long Term Disability (LTD) policy allows for income payments to begin after a ninety-day waiting period, although it could be much longer depending on the policy. Once payments begin, they will continue far longer than STD. Thus, the total benefits for a LTD could last for a few years, up to age 65, or even for life.
Long Term Care Insurance
What is Long Term Care?
Recipients of LTC are not “sick” in the traditional sense. Instead, they unable to perform some of the activities of daily living such as dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. Overall, Long Term Care covers services that fall under two general categories which are skilled care and personal care.
Why Long Term Care Insurance?
Regular health insurance, Medicare, Medicaid or Disability typically will not pay for Long-Term Care services. The cost of LTC can quickly add up and burden those closest to you, both financially and emotionally. Purchasing a LTC plan can help you avoid those difficult situations.
Here are examples of what LTC policies may cover:
- Institutional Care: Nursing home, assisted living services, residential care facility, hospice care, adult foster home, respite care and more.
- Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
HR360 is a trusted HR solution used by more than 230,000 users nationwide!
As a business client of HealthInsure.com, you’ll have access to HR 360, one of the most intelligent ways for HR managers and business owners to solve their HR issues. As our client, your state-of-the-art human resources library includes the following tools and resources accessible by your desktop, laptop, tablet or mobile device:
- Interactive guides that provide guidance on COBRA, performance reviews, hiring, and terminating employees.
- Interactive tools including a description builder and salary benchmarking tool.
- Hundreds of customizable, downloadable HR forms, policies and posters.
- State “mini COBRA” information as well as a range of additional employment laws per state.
- Team up with a Certified HR Pro to strategize on compliance issues.
- Watch HR training videos to learn about important HR issues.
- And so much more!