Individual Insurance

We provide the following individual insurance services:

 

Health Insurance

 

 

If you are looking for private health insurance, and are bewildered by the staggering number of options, policies, providers, and premiums, then you've come to the right place.

We'll help you understand how a good health insurance policy should protect you and your family, and then we'll help you design and find the type of policy that will fit your budget, and protect you in times of need.

Our experience allows us to create customized plans that could include the following features.

  • Prescription drug cards or discount at member pharmacies
  • The right fit on office visit deductible and out of pocket max.
  • Coverage for yourself or your whole family
  • Non-tobacco Use discount
  • PPO Networks
  • Term life & AD&D Insurance
  • Short term coverage between jobs.

In addition to the above we also provide value added benefits such as Dental programs and specific disease coverage programs.

 

Medicare Supplemental Insurance

 

Medicare is a federal health insurance program that is made up of two separate sections. They are entitled Part A (Hospital Insurance) and Part B (Supplementary Medical Insurance).

Once you turn age 65, you are eligible for Medicare. However, many people don't realize that Medicare only covers a portion of your medical costs. Supplements are designed to pay many of those extra expenses not covered by Medicare alone, such as deductibles, copayments, and drug card.

Part B (Supplementary Medical Insurance) is a voluntary medical insurance plan. Individuals pay a monthly premium, deductible, and 20 percent of the medical expenses. The remaining 80 percent is paid by Part B. Part B only covers charges for physicians, surgeons, and other health services. Part B does not cover eye and hearing exams, foot care, immunizations, or physical exams.

 

Medicare Supplemental Insurance
Medicare Supplemental policies are also known as Medigap plans. Most health insurance policies do not cover all expenses, and this especially includes Medicare. A Medicare Supplemental insurance policy is designed to pay for these expenses not covered by Medicare. Please keep in mind that Medicare Supplements typically do not cover long-term care expenses.

There are ten government regulated policy types. These standardized policies are labeled Plan A to Plan J. The difference between these plans is based upon there levels of coverage. The state in which you live determines which plans are available in your state.

Medigap policies cover charges not covered for hospitalization between the 61st to 90th day of treatment. These policies are also required to cover a minimum of 20 percent of eligible expenses of Part B.

Medicare Supplement policies may not exclude pre-existing conditions.

Other Types of Medicare Supplements
There are several other forms of Medicare Supplement policies, but they all must adhere to the same standards as regulated by the NAIC (National Association of Insurance Commissioners). The plans can be structured as HMO's, PPO's, or POS's.

 

Life Insurance

 

Life Insurance is the cornerstone of your family's financial security. It protects your financial resources against the uncertainties of life so you can protect your family's future.

Life insurance is an agreement that guarantees the payment of a stated amount of money upon the death of the insured or under other circumstances specified in the policy. Life insurance helps protect your beneficiaries against severe financial hardship, particularly in the event of premature death. The amount of life insurance an individual may require varies throughout a lifetime.

 

There are several forms of life insurance including term insurance, universal life insurance, variable life insurance and whole life insurance. Universal life, variable universal life and whole life are permanent insurance policies. Term life provides coverage for a specific period of time.

We at Premier Financial are committed to give you the best possible solutions for your Life Insurance needs.

 

Long Term Care

 

Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson's, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer's).

Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

Long-term care insurance is a valuable tool to help you handle the cost of an unplanned lengthy illness. If you know someone who has needed this kind of care, then you have seen the impact a serious health problem can have on financial security. This insurance can help you protect your nest egg and your family from substantial medical costs.

 

 

 

To better understand Long Term Care, think of the activities that you performed when you woke up this morning. You probably:

  • Climbed out of bed
  • Walked to the bathroom
  • Used the toilet
  • Used the bath or shower
  • Got dressed
  • Ate breakfast

While we are healthy it is easy for us to take for granted the above Activities of Daily Living (ADL's). However, when you or a loved one is stricken with a degenerative condition such as a stroke or Alzheimer's, performing these ADL's becomes impossible without the assistance of another person.

This type of care is Long Term Care. It is the same type of care that a parent must provide for their new baby. This type of care is chronic (full-time) and thus becomes very expensive. Long Term Care can be provided in many settings including nursing homes, your own home, assisted living facilities and adult day care.

We offer LTC with the following features:

  • Adequate Daily Benefit
  • Inflation Protection
  • Comprehensive Coverage
  • Stable Premiums

Take that important step and contact us to discuss your needs. We are committed to helping you with your plans for the future.

 

Supplemental Worksite Benefits

ALLSTATE

More and more studies show that health care costs continue to rise in this country. Many employers are reacting by revising their insurance and benefit offerings to reflect this trend and compensate for increased costs. What do these changes mean for you?

How will these possible benefit reductions and increased benefit costs affect your insurance coverage? What about next year? What changes will it bring? We can't predict the future; we can help you prepare for what happens next.

Traditional medical insurance doesn't cover every expense related to an illness, injury or death. The bills and expenses continue to add up, especially if you have to stop working and lose your income. How will you pay the deductibles or co-payments, and other increasing medical costs not covered by your employer-sponsored insurance plan?

 

Supplemental insurance can help you prepare for these and other out-of-pocket expenses. Most of all, these plans help take the worry away about how you will pay your out-of-pocket medical and other everyday life bills. Without this worry, you can focus on getting better.

Premier Financial's supplemental insurance products help protect you in the following ways:

  • We can help you pick disability insurance products, which can help protect your most valuable asset - your income. This insurance provides benefits to help offset the financial losses that may result when you are disabled due to a covered injury or illness.
  • Supplemental insurance is offered at the worksite (through your employer) and features convenient payroll deduction for premium payments. Plus, many plans can be purchased through a flexible benefits plan allowing you to pay for valuable coverage with pretax dollars.

For complete details, please contact us.

 

                   

Dental

Protecting you and your family Click Here for a complimentary dental quote