Health Insurance Quote Forms
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Health Insurance Information
What kinds of health insurance are there?
Health insurance is divided into individual policies and group policies. Individual policies will include a single person up to the members of an immediate family unit (under the age of 26), while a group policy will include many individuals as well as their immediate family members (under the age of 26). Group policies are underwritten for businesses, associations, or other people with the commonality of employment.
- Individual Insurance can be subdivided into ACA qualified plans, Short Term Plans, and Health Share/ Co-Op plans. All of these plans have a value if and when they are issued correctly. For this reason we always advise that you talk to an Agent who is educated on all health insurance options with multiple Insurance Carriers.
- Group Insurance has the ability to be tailored to a company's specific needs. Many people think that a small group is at a disadvantage but, they would be wrong. We at Eden Insurance have sought out Insurance Carriers that can bring advantages to groups of any size. Group Insurance policies can be underwritten for businesses large and small, tradesmen and realtors with 1099 employees, industrial or office businesses.
For all of your Health Insurance needs contact one of our Health Insurance Agents today!
Long-Term Care and Disability
Related to Health Insurance, there are also Long-Term Care policies along with Disability policies.
What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find
themselves in need of help with eating, bathing, dressing, toileting or
continence, and/or transferring (e.g., getting out of a chair or out of bed).
These six actions are called Activities of Daily Living–sometimes referred to as
ADLs. In general, if you can’t do two or more of these activities, or if you
have a cognitive impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for
one thing, it might not last for a long time. Some people who need ADL services
might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home.
It can be, but it can also be provided in an adult day care center, an assisted
living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place
as (and therefore is sometimes confused with) “skilled care.” Skilled care means
medical, nursing, or rehabilitative services, including help taking medicine,
undergoing testing (e.g. blood pressure), or other similar services. This
distinction is important because generally Medicare and most private health insurance pays
only for skilled care–not custodial care.
What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and
Long-Term Disability (LTD):
- Short-Term Disability policies (STD) have a waiting period of 0 to 14
days with a maximum benefit period of no longer than two years.
- Long-Term Disability policies (LTD) have a waiting period of several
weeks to several months with a maximum benefit period ranging from a few
years to the rest of your life.
Disability policies have two different protection features that are important
- Non-cancelable means the policy cannot be canceled by the insurance
company, except for nonpayment of premiums. This gives you the right to
renew the policy every year without an increase in the premium or a
reduction in benefits.
- Guaranteed renewable gives you the right to renew the policy with the
same benefits and not have the policy canceled by the company. However, your
insurer has the right to increase your premiums as long as it does so for
all other policyholders in the same rating class as you.
In addition to the traditional disability policies, there are several options
you should consider when purchasing a policy:
1 - Source : MANAGED CARE AND THE STATES
- Additional purchase options
Your insurance company gives you the right to buy additional insurance at a
later time for an additional cost.
- Coordination of benefits
The amount of benefits you receive from your insurance company is dependent
on other benefits you receive because of your disability. Your policy
specifies a target amount you will receive from all the policies combined,
so this policy will make up the difference not paid by other policies.
- Cost of living adjustment (COLA)
The COLA increases your disability benefits over time based on the increased
cost of living measured by the Consumer Price Index. You will pay a higher
premium if you select the COLA.
- Residual or partial disability rider
This provision allows you to return to work part-time, collect part of your
salary and receive a partial disability payment if you are still partially
- Return of premium
This provision requires the insurance company to refund part of your premium
if no claims are made for a specific period of time declared in the policy.
- Waiver of premium provision
This clause means that you do not have to pay premiums on the policy after
you’re disabled for 90 days.