Supplemental Insurance

Individual Dental Plans
Individual and family dental plans or policies are relatively inexpensive, but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.

Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.

Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage, and they do not contain the essential benefits required by the ACA to avoid penalty. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

One of the most important coverages after health insurance to ensure your financial protection is Disability Income Insurance.

While you are in your working years, your most valuable asset is your ability to earn a living. However, statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45.

During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.

Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.

Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.

Short Term Disability generally allows for income payments to begin after about a two-week waiting period and will continue to pay until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.

Long Term Disabilitygenerally allows for income payments to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay far longer than STD–for a few years, up to age 65, or even for life.

Final expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing. Unlike life insurance, final expense policies have a much lower face value because they are intended to only cover costs related to a person’s final expenses. Therefore, these policies can often be purchased at low or reasonable premiums.
Here are some of the features of final expense policies:

-Premiums do not increase, ever
-As long as make you premium payment, policies will remain effective
-Guaranteed death benefit
-Some policies can be written similar to whole life policies, meaning they may earn dividends

Do you still have the old kind of life insurance that only pays benefits upon your death? With people suffering from a heart attack or stroke every 30 seconds, and with those developing cancer and or Alzheimer’s at the alarming rate of every minute, doesn’t it make sense for life insurance benefits to be accelerated and available for people to use while they are still alive? The industry refers to this type of insurance as “Living Benefits” which help people to receive care and pay for chronic or terminal illness that precedes death.

One Policy, many benefits:

-Living Benefits pays death benefits.
-Living Benefits pays accelerated benefits for critical illness.
-Living Benefits pays living benefit if you are unable to perform daily living activities

Surviving cancer and other critical illness is becoming increasingly common with the advances in modern medical technology. Cancer/Critical Illness Insurance can help reduce the personal financial impact of the cost of fighting these illnesses or keeping up with everyday bills through that process.
Some key features:
If you have a health insurance plan and/or disability insurance, Cancer/Critical Illness Insurance will provide benefits in addition to your other coverage.

-Lump-sum cash benefit paid directly to you.
-You decide how best to spend your payment.
-No network restrictions.
-Benefit level choices to fit your needs and budget.
-Simple plan options for your needs and budget.

The benefits and riders offered are supplemental and are not intended to cover all medical expenses. Certain terms, exclusions and limitations may apply.

Long-Term Care (LTC) recipients are not “sick” in the traditional sense. Instead they are unable to perform some or all of the activities of daily living such as: dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. Long-term care encompasses a wide array of services that fall under two general categories – skilled care and personal care. Skilled care is provided when recovering from an illness or an injury.

Personal care helps maintain the daily activities and functions of life.

Long-term care is usually not medical care and generally does not require a doctor or a nurse. The need for LTC is not always age related. Although more than half of all individuals age 65 & over will need LTC at some point, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64. It is never too early to plan for long-term care.

Long-Term Care services generally are not covered, or covered only minimally, by health insurance, Medicare or Medicaid. The cost of LTC can quickly drain even a large estate and burden those closest to you both financially and emotionally. Long-Term Care insurance can avoid those difficult situations, as well as enabling you to maintain control of your care and your choice of the facilities that best suit your needs, instead of allowing welfare or the government to make your LTC decisions for you. You should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.

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.

Sometimes you need to leave home sweet home. Whatever the reason for your travels and stay, you don’t have to be without health insurance coverage. Emergent Benefits, LLC offers a robust set of national and international health insurance and trip protection plans for Students, Educational Institutions, Individuals and Families, Employers and Employees, as well as Missionary Organizations and more. You’ll have access to doctors and hospitals in 180 countries.