Health Insurance for Individuals and Family
Individual and family health insurance plans can help cover expenses in the case of serious medical emergencies and help you and your family stay on top of preventative health-care services. Having health insurance coverage can save you money on doctor’s visits, prescriptions drugs, preventative care and other health-care services. Typical health insurance plans for individuals include costs such as a monthly premium, annual deductible, co-payments, and coinsurance.
The cost of your health insurance plan could be affected by age and tobacco use, but you will not be declined for an individual health insurance plan due to pre-existing conditions.
Why Health Insurance?
When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.
While finding the right Health Insurance is not always an easy choice, representatives from FDR Financial are committed to providing the knowledge and support you need to help you make the right decision for you, your family, or your business.
At FDR Financial we provide health care insurance benefits through several different companies to make sure the right plan is picked out depending on your needs. Our firm represents companies such as: Humana, BlueCross BlueShield, Aetna, Optimum, United Health care, Wellcare, and Freedom.
At FDR Financial, we strive to offer the best Health Insurance options possible – from individual and group plans to specialized packages that may include dental and vision coverage.
Depending on your needs, our health care packages can include:
- Individual & Family Health Insurance
- Group Health Insurance
- Dental Coverage
- Vision Coverage
- Long-Term Care Insurance
- Temporary Health Insurance
- Supplemental Insurance
- Disability Insurance
- Medical Expense Insurance
- Child Health Insurance
- Travel Health Insurance
- Prescription Insurance
It might be hard to imagine now, but chances are you’ll need some help taking care of yourself later in life. The big question is: How will you pay for it?
Buying long-term care insurance is one way to prepare. Long-term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed.
A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as:
· Your home
· Nursing Homes
· An assisted living facility
· An adult day care center
Considering long-term care costs is an important part of any long-range financial plan, especially in your 50s and beyond. Waiting until you need care to buy coverage is not an option. You won’t qualify for long-term care insurance if you already have a debilitating condition. Most people with long-term care insurance buy it in their mid-50s to mid-60s.
Whether long-term care insurance is the right choice depends on your situation and preferences
At FDR Financial, we care about your future and making sure you are covered for the unexpected is part of your full plan. Let us help you prepare for the unexpected.