Beyond Health Insurance

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After Health Insurance … Will It Break the Bank?

This site is under development with completion date of Dec 31, 2015

Congratulations… you probably enrolled in a health insurance plan this year… either through your job or privately.  ..  AND…  you think you are probably covered.

The fact is… you probably ARE… but only for MEDICAL care, and there’s some real  “gotchas”  there.  Don’t worry… with the right information we can help.

THREE MAJOR  “GOTCHAS and your help  (plus a bonus in help)

  1.  Deductibles.

The Problem: You all know what they are, and they keep increasing as a way to cut premium costs. In many plans, NO benefits kick in at all until a deductible is met.

The Solution:  A special, low cost additional plan called a deductible protection plan.  Details can be seen HERE and the plan ordered right on line.

2,  Recovery and Living Expenses

The Problem:  We have two faces to this problem.. a “good guy” and a “bad guy”   The “good guy” actually does as much harm as he does good.  So what’s this about?  The “good guy” is the guy that tells you that even though you may become a cancer victim, stroke victim, have a hear attack..the “good news” is that you have a great probability of beating it… but it’s going to take time and treatment.   Chances are your medical insurance will cover most of that.  BUT… during that treatment and recovery period you are probably not going to be earning any income, or very reduced income.. and we are talking 3 months, 6 months or more.  How will you meet your bills?

The Solution:  “Income Insurance” during recovery from a critical illness. Something that on diagnosis of a critical illness will pay you cash, right now, right up front, to live on.  Could be $10,000 or $50,000.  You decide, and contract with the insurance company for the amount.  The younger you are and the healthier, the lower the cost.  Not every one is guaranteed to be able to get it. It boils down to your risk… but we can offer it to you.  For a quote and enrollment, CLICK HERE.

3.  Miscellaneous Expenses

Some examples:  Dental Insurance; Vision Insurance,  Alternative Treatments not covered by standard health insurance.

The Problem:  Pretty obvious:  Not covered

The Solution: There are several solutions . One is a good dental, vision, and hearing plan.  BE  CAREFUL before you get one to be sure you know what and why you are getting it.  See our page on Dental Insurance. (CLICK HERE)

Another great solution is a overall blanket benefits program that covers so many of these things or offers discounts.  One is the Health Savings program you can access HERE.

IF YOU ARE COVERED THROUGH A GROUP OR WORK PLAN

CLICK HERE FOR SPECIAL INFORMATION ON HOW TO REDUCE YOUR MEDICAL EXPENSES AND GET A RAISE AT THE SAME TIME