Ancillary
Dental, Vision, & Hearing
Dental, Vision, and Hearing insurance is a type of health insurance policy that provides coverage for specific services related to dental care, vision care, and hearing care. Unlike traditional medical insurance policies, which cover most health-related expenses, these policies are typically separate from medical insurance. Dental insurance policies cover routine and advanced dental treatments such as cleanings, fillings, root canals, crowns, and bridgework, among others. These policies may also cover orthodontic work such as braces and retainers, depending on the plan.
Vision insurance policies, on the other hand, provide coverage for eye-related exams and corrective lenses such as glasses and contact lenses. Some policies provide more advanced coverage for procedures like LASIK or PRK surgery. Finally, with hearing insurance policies, individuals can receive financial support to help with exams, hearing aids, and cochlear implants.
One distinct advantage of having Dental, Vision, and Hearing insurance in addition to traditional medical insurance is that it can help cover the costs associated with specialized care. With these policies, individuals can reduce their out-of-pocket costs, especially for those expenses not typically covered by a medical plan.
By purchasing Dental, Vision, and Hearing insurance, individuals can have peace of mind knowing that their specific healthcare needs will be met. It is important to note that each Dental, Vision, and Hearing insurance policy differs depending on the provider and plan selected. It is recommended that individuals research each policy to understand its specific terms, benefits, limitations, and costs before making a decision.
Affordable Health Insurance for Individuals and Families
The Affordable Care Act (ACA) is a federal law designed to make health insurance more affordable and accessible for individuals and families. ACA insurance plans cover medical expenses, including preventive care, emergency services, prescriptions, and mental health services. At our company, we offer various ACA insurance plans that cater to your specific health needs.
ACA insurance policies offer numerous coverage options that cover different healthcare services, including:
• Preventive Care: ACA insurance covers preventive care, including vaccinations, cancer screening, and other tests.
• Emergency Services: It covers any medical emergencies, ambulance rides, and emergency room visits.
• Prescription Drugs: ACA insurance covers the costs of prescription drugs for different medical conditions.
• Mental Health Services: This covers mental illness treatments such as therapy or counseling. Benefits of ACA Insurance ACA insurance provides many benefits for individuals and families, including:
• Affordable Coverage: With the ACA insurance's subsidies, individuals and families can obtain affordable healthcare coverage with lower premiums than traditional insurance policies.
• Protection Against Medical Debt: ACA insurance covers the majority of medical expenses, protecting you from unmanageable debt due to treatment costs.
• Accessible Health Care: ACA insurance empowers individuals and families to access preventative care, routine screenings and medical treatments, and medications without worrying about expensive out-of-pocket costs.
• Reassurance for Pre-existing Conditions: The ACA insurance guarantees comprehensive protection for individuals with pre-existing conditions by making it illegal to deny coverage based on medical history or exclude specific conditions.
Enrollment Periods Open enrollment for ACA insurance takes place annually from November 1st through December 15th, with the coverage beginning the following year. However, some individuals may qualify for special enrollment periods due to changes in their circumstances, including job loss or marriage. At Phillips Insurance Solutions, we are committed to helping individuals and families find the right ACA insurance plan that meets their specific health needs while being cost-effective. Contact us to speak with one of our experienced agents and receive a personalized ACA insurance quote.
* We always recommend working with an agent. It is FREE to do so!
Supplemental Plans
Supplemental health plans are insurance policies that provide extra benefits and protection beyond what is offered by traditional medical insurance. These plans can help fill gaps in coverage and provide financial assistance for expenses not covered under your primary medical plan.
There are several types of supplemental health plans, including:
1. Critical Illness Insurance: This type of policy provides a lump sum payment if you are diagnosed with a serious illness such as cancer, heart attack or stroke. The money can be used to pay for medical bills, living expenses, or any other related expenses.
2. Accident Insurance: This policy provides financial help if you suffer an accident, injury or disability. The benefits can include cash payments for lost wages due to the inability to work, reimbursement for medical expenses, and coverage for therapies.
3. Hospital Indemnity Insurance: This type of plan provides a daily cash benefit during hospitalization. It may also offer surgical or ICU stay benefits, providing a financial buffer to assist with unforeseen out-of-pocket expenses associated with hospital stays.
4. Short-Term Disability Insurance: If you become disabled and unable to work for a short duration, this insurance policy kicks in to replace missing income. Depending on the specifics of the plan, it can generally provide benefits for up to 6 months.
Supplemental health plans are especially valuable for individuals and families who have high deductibles and experience out-of-pocket expenses associated with their primary medical plan. Additionally, they offer peace of mind knowing that you have coverage for unexpected expenses that would otherwise be difficult to cover out of pocket.
At our agency, we specialize in providing comprehensive coverage and can help guide you towards a beneficial supplemental health insurance plan. To learn more or receive a personalized quote, please contact us directly.
Affordable Health Insurance for Individuals and Families
The Affordable Care Act (ACA) is a federal law designed to make health insurance more affordable and accessible for individuals and families. ACA insurance plans cover medical expenses, including preventive care, emergency services, prescriptions, and mental health services. At our company, we offer various ACA insurance plans that cater to your specific health needs.
ACA insurance policies offer numerous coverage options that cover different healthcare services, including:
• Preventive Care: ACA insurance covers preventive care, including vaccinations, cancer screening, and other tests.
• Emergency Services: It covers any medical emergencies, ambulance rides, and emergency room visits.
• Prescription Drugs: ACA insurance covers the costs of prescription drugs for different medical conditions.
• Mental Health Services: This covers mental illness treatments such as therapy or counseling. Benefits of ACA Insurance ACA insurance provides many benefits for individuals and families, including:
• Affordable Coverage: With the ACA insurance's subsidies, individuals and families can obtain affordable healthcare coverage with lower premiums than traditional insurance policies.
• Protection Against Medical Debt: ACA insurance covers the majority of medical expenses, protecting you from unmanageable debt due to treatment costs.
• Accessible Health Care: ACA insurance empowers individuals and families to access preventative care, routine screenings and medical treatments, and medications without worrying about expensive out-of-pocket costs.
• Reassurance for Pre-existing Conditions: The ACA insurance guarantees comprehensive protection for individuals with pre-existing conditions by making it illegal to deny coverage based on medical history or exclude specific conditions.
Enrollment Periods Open enrollment for ACA insurance takes place annually from November 1st through December 15th, with the coverage beginning the following year. However, some individuals may qualify for special enrollment periods due to changes in their circumstances, including job loss or marriage. At Phillips Insurance Solutions, we are committed to helping individuals and families find the right ACA insurance plan that meets their specific health needs while being cost-effective. Contact us to speak with one of our experienced agents and receive a personalized ACA insurance quote.
* We always recommend working with an agent. It is FREE to do so!
Dental, Vision, & Hearing
Dental, Vision, and Hearing insurance is a type of health insurance policy that provides coverage for specific services related to dental care, vision care, and hearing care. Unlike traditional medical insurance policies, which cover most health-related expenses, these policies are typically separate from medical insurance. Dental insurance policies cover routine and advanced dental treatments such as cleanings, fillings, root canals, crowns, and bridgework, among others. These policies may also cover orthodontic work such as braces and retainers, depending on the plan.
Vision insurance policies, on the other hand, provide coverage for eye-related exams and corrective lenses such as glasses and contact lenses. Some policies provide more advanced coverage for procedures like LASIK or PRK surgery. Finally, with hearing insurance policies, individuals can receive financial support to help with exams, hearing aids, and cochlear implants.
One distinct advantage of having Dental, Vision, and Hearing insurance in addition to traditional medical insurance is that it can help cover the costs associated with specialized care. With these policies, individuals can reduce their out-of-pocket costs, especially for those expenses not typically covered by a medical plan.
By purchasing Dental, Vision, and Hearing insurance, individuals can have peace of mind knowing that their specific healthcare needs will be met. It is important to note that each Dental, Vision, and Hearing insurance policy differs depending on the provider and plan selected. It is recommended that individuals research each policy to understand its specific terms, benefits, limitations, and costs before making a decision.
Supplemental Plans
Supplemental health plans are insurance policies that provide extra benefits and protection beyond what is offered by traditional medical insurance. These plans can help fill gaps in coverage and provide financial assistance for expenses not covered under your primary medical plan.
There are several types of supplemental health plans, including:
1. Critical Illness Insurance: This type of policy provides a lump sum payment if you are diagnosed with a serious illness such as cancer, heart attack or stroke. The money can be used to pay for medical bills, living expenses, or any other related expenses.
2. Accident Insurance: This policy provides financial help if you suffer an accident, injury or disability. The benefits can include cash payments for lost wages due to the inability to work, reimbursement for medical expenses, and coverage for therapies.
3. Hospital Indemnity Insurance: This type of plan provides a daily cash benefit during hospitalization. It may also offer surgical or ICU stay benefits, providing a financial buffer to assist with unforeseen out-of-pocket expenses associated with hospital stays.
4. Short-Term Disability Insurance: If you become disabled and unable to work for a short duration, this insurance policy kicks in to replace missing income. Depending on the specifics of the plan, it can generally provide benefits for up to 6 months.
Supplemental health plans are especially valuable for individuals and families who have high deductibles and experience out-of-pocket expenses associated with their primary medical plan. Additionally, they offer peace of mind knowing that you have coverage for unexpected expenses that would otherwise be difficult to cover out of pocket.
At our agency, we specialize in providing comprehensive coverage and can help guide you towards a beneficial supplemental health insurance plan. To learn more or receive a personalized quote, please contact us directly.
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Disclaimer:
We do not offer every plan available in your area. Currently, we represent 0-10 organizations which offer 0-272 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance carrier that issues the product. Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59 ½ may be subject to a 10% tax penalty.
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