An individual or family health insurance plan covers one person, or a family, on one plan. While an individual or family health insurance policy may cost more than a group policy it is better than not having health insurance coverage at all. An unexpected illness or serious injury can ruin a family financially if they do not have some basic coverage. Most insurance companies offer the same types of managed healthcare plans to individuals that are offered to groups:

HMO's (Healthcare Maintenance Organizations), PPO's (Preferred Provider Organizations) and POS's (Point of Service Plan), and generally offer different levels of deductible to keep premiums within budget. Each person or family must determine what coverage, premium, deductible and out of pocket expense will best suit their needs and their family budget. Unlike group insurance that is available to an entire assemblage of people, no matter what their health status, almost all insurance companies require extensive questioning about medical history and sometimes a physical exam in order to qualify for individual insurance.

We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.

Dental insurance is equally important to health insurance because dental disease is still prevalent.

Being protected by a dental plan and using it wisely are necessary safeguards for your entire family.Unlike medical ailments, which are usually unpredictable, most dental problems are preventable. Checkups and cleanings are the way to keep teeth healthy. With regular preventing care, problems are diagnosed in time and can be treated with less expense to both, insurer and insured, keeping the costs of dental care much lower than medical care.

Generally, a local dentist provides dental care, even though sometimes the services of a specialist are required.

Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist, while others, in exchange for lower rates, limit your choice.Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost.

When a physical injury keeps you from working, disability insurance can help get the bills paid.

In reality, disability insurance is as important as (and in some cases, even more important than) life insurance.

More become disabled than die that’s because at any given age the odds of becoming disabled are much higher than dying.

In fact, every year 12% of the adult U.S. population suffers a long-term disability. One out of every seven workers will suffer a five-year or longer period of disability before age 65, and if you’re 35 now, your chances of experiencing a three-month or longer disability before you reach age 65 are 50%. If you’re 45, the figure is 44%.

These odds would not be a problem if people had substantial savings that could be drawn on in the event of a disability. But that’s rarely the case, and any money that has been set aside has likely been earmarked for goals such as college or retirement.

What is LTC?

Long term care is something you may need if you can no longer perform everyday tasks by yourself. For example, there may come a time when you need help getting dressed, eating or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer's disease. You can receive this care in a variety of settings, including your home, an assisted living facility or a nursing home.

Why Would I Ever Need LTC?

The need for long term care usually arises from age or chronic illness, injury or disability. In fact, approximately 60% of us who reach age 65 will need long term care at some time in our lives.1 But it's not just a retiree's issue.

It Can Happen at Any Age

Many people don't realize that the need for long term care can strike at any time. Statistics show that 40% of people receiving long term care services are working age adults, between the ages of 18 and 64. Would you be prepared for long term care, if you suddenly required it?

What It Is and What It Isn't

What It Is
Long term care is the type of care that you may need if you can no longer perform "activities of daily living" by yourself, such as eating, bathing or getting dressed. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer's disease. Care can be received in a variety of settings, including your own home, assisted living facilities, adult day care centers or hospice facilities.

Long term care can be covered completely or in part by long term care insurance. Most plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled.

What It Isn't
Long term care isn't the type of care that you receive in the hospital or your doctor's office. It isn't the medical care you need to get well from a sickness or an injury. It isn't short-term rehabilitation from an accident or recuperation from surgery.

Long term care is not always administered in a nursing home. In fact, more than 80% of all people receiving long term care assistance are not in nursing homes.