Supplemental Health Insurance
Boyce & Associates will help you create a personal insurance program that provides the protection you need while still respecting your budget.
SMART AFFORDABLE COVERAGE
When to consider purchasing Supplemental Life, Disability & Health
As healthcare costs continue to sky-rocket, why go without coverage and run the risk of financial ruin should you or a family member suffer an expected illness or accident. If your employer does not offer coverage through work, or you are in transition and missed open enrollment on the Marketplace, a non ACA policy such as Short Term Health Insurance will help protect your finances should the unexpected happen. Premiums for these policies are a lot less than traditional health insurance, however, some plans have limitations and in some cases, do not cover certain and/or preexisting conditions.
Life and Disability coverage provider through employers usually isn’t enough to protect your finances if you face a serious injury or illness, or provide for your family’s future should you pass away too soon. An affordable wrap-around individual life or disability plan will help protect you and those you love the most when even your best laid plans fail.
When to consider purchasing a Medicare Supplement Plan
Medicare Supplement Insurance policies cover some, if not all, of the expenses that Original Medicare does not cover, like co-pays, deductibles and other charges. Medicare recipients have a certain time-frame in which they must enroll in Medicare and select the right coverage to avoid excessive medical costs down the road, and sometimes severe fines and penalties. Missing a step in the process, or selecting the wrong coverage, can quickly drain your life’s savings.
Note that Medicare recipients have a once in a lifetime window that begins the month you become eligible for Medicare and allows you to enroll in any Medigap plan without answering health questions, meaning you won’t be denied coverage or pay higher premiums for health problems. After this window closes, if you wish to buy a Supplement plan, you can do so at any time of the year, but you’ll most likely have to go through medical underwriting.
For Supplemental Life, Disability or Health Quotes, please Connect With Us
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