In a health care environment that is constantly shifting, are you unsure what kind of health insurance might be right for you? If you are unable to work due to sickness or injury, health insurance is designed to cover treatment costs, as well as provide an ongoing income during the period you are ill. And if your injury or illness is more long-term, disability insurance helps supplement your lost income.
So just give us a call or click for a free quote to find out how we can help you today. Remember we are all in this together and we can help to provide for you and your family better coverage to insure a safer future.
Many Americans secure health insurance through their employer; others are not so lucky. But even if you have a primary policy, be aware that group benefit plans do not always provide all the coverage for your needs. You may want supplemental insurance or a health savings account (HSA) to help fill the gaps.
For those purchasing their own primary or secondary health insurance policy, the options can seem confusing and expensive. So, how do you know if your health plan is a good fit for you? Here are some tips:
Evaluate your family’s needs. Consider your family’s lifestyle and medical history, and try to anticipate life-stage health events, such as braces for your pre-teen and glasses for your self. Wife turning 40? That means mammograms every year.
- Prioritize those needs. For example, vision care may be a good benefit for your family, but not as essential as a prescription-drug plan. List your must-haves as well as your nice-to-haves.
- Review plan options. For each plan you are considering, ask about key coverage provisions: Does the policy cover major medical expenses only? If your family needs preventive, dental and vision care, does the plan provide them? Does it include a prescription drug plan? Do any of these must-haves need to be purchased separately? Are your current doctors in the plan? Does a family member have a pre-existing condition and will the plan cover it?
- Determine your costs. Premiums are not the only costs you should consider when looking at a health insurance plan. Take into account the expenses you may have to assume beyond paying the premium, such as deductibles, coinsurance and co-payments. Are there added costs for using an out-of-plan doctor or hospital? Consider increasing your deductible for a lower monthly premium.
With so many options and pitfalls to consider, talk with us to ensure you are securing the most appropriate coverage for you and your family. Fogle Insurance Group has several insurance companies that write individual health insurance policies. We’ll find the perfect fit for you.
A healthy mouth promotes good health throughout the body. Regular dental care is important because your teeth and gums can affect how and what you eat and how you feel. Did you know that diabetes and heart disease have been linked to gum disease?
Here are some of the main reasons you want to maintain good dental care:
1. To Prevent Gum Disease: Gum disease is an infection in the gum tissue and bones that hold your teeth in place. This is the leading cause of adult tooth loss. If diagnosed early, gum disease can be treated and often reversed. Regular dental cleanings, checkups, regular dental flossing and teeth brushing are the key factors for preventing gum disease.
2. To Prevent Oral Cancer: Routine checkups and screening by your dentist will help spot any issues in your mouth that could become cancerous. One person dies of oral cancer each day in the United States.
3. To Maintain Good Oral and Physical Health: Early detection of cavities, broken or missing fillings or cracked teeth can prevent removal of teeth, root canals and costly, painful procedures. Studies have linked heart attacks and strokes to poor oral hygiene.
4. To Keep Your Teeth: Keeping your natural teeth is one of the most important things you can do to maintain your health, especially as you grow older. The inability to chew foods properly can lead to illnesses or malnutrition in the older population. We may not think about this when we are young, but pay for the neglect when as we age.
Fogle Insurance Group offers dental plans for the individual, the family and for employer groups. Most offer 2 cleanings per year and coverage for fillings, root canals, etc. Make sure to contact us about what product will work best for your dental coverage needs.
Fogle Insurance Group works with business owners and human resources personnel to provide the best benefit packages available. We partner with both large and small companies to tailor a benefits package that works for the individual company. Offering ‘true group’ (all employer paid) and ‘voluntary group’ (where the employee pays all or part of the premium), rest assured Fogle Insurance Group will be able to find the perfect combination for your business.
Some of the employee benefits offered by Fogle Insurance Group:
- Group Medical Insurance, including traditional PPO plans and HSAs
- Group Dental
- Group Life and Accidental Death & Dismemberment
- Supplemental Life and Dependent Life Insurance
- Short Term and Long Term Disability
- Section 125 – this enables your employees’ payroll withholdings to be withdrawn pre-tax, instead of post-tax, saving you both money
Agents at Fogle Insurance Group are up-to-date on all changes being made and implemented in the Federal Healthcare Reform Act. We can guide you through this tricky time and help you make the best decision possible for your company.
Medicare Supplemental Insurance is a policy provided by private insurance companies that fill the gaps in coverage that your basic Medicare Part A and Medicare Part B do not cover. Parts A and B, while covering close to 80% of your medical bills and expenses certainly do not cover them all. There are gaps in the coverage and that is why sometimes a Medicare Supplemental Insurance plan will be called a Medigap policy, because it is designed to cover the gaps that Medicare parts A and B do not. The gaps that a Medicare supplemental insurance policy will cover include deductibles, co pays, and a lot of other various expenses. All of these little expenses added up can add up to quite the financial headache if not covered properly.
One of the big perks of these policies is individuals can receive a policy without a medical exam. During what is called a “guaranteed issue period” there is no medical exam and an individual is basically guaranteed a policy which is also guaranteed renewable. This is a big draw for those with pre existing health issues, because once the coverage is in place the insurance company will not raise the premium and the individual is guaranteed the option to renew the policy.
Fogle Insurance Group also writes the prescription drug coverage – Medicare Part D or Medicare Rx. On traditional Medicare Supplement policies, there is no prescription drug coverage. You have to purchase a separate Medicare Part D policy. Our agents will be happy to discuss with you what prescription coverage plan will work best for you.