Health Insurance Information
Group Medical Insurance
Typically, the coverage afforded on group plans is superior to that found on individual plans. This does not mean that the pricing is always lower, but the benefits are typically better. We offer group plans of all types from most all of the major carriers, including Blue Cross Blue Shield, United Healthcare, Aetna, CIGNA, Scott & White, Assurant, Humana and more.
Dental / Vision Insurance
We offer employer groups many options when it comes to dental and vision coverage. While most of the major carriers offer these benefits along with their health offerings, we often find benefits to the employer in placing this coverage with a standalone market. As an employer-paid or voluntary (employee-paid) benefit, this is a very popular offering.
Supplemental insurance policies are typically employee-paid and are meant to supplement normal health insurance policies. Not truly insurance, these policies typically pay cash to the policy holder in the event of a covered claim. These can be very valuable and can help cover expenses not covered by the medical insurance. We proudly sell AFLAC supplemental products.
Long Term Care Insurance
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 Medicare and most private health insurance pays only for skilled care–not custodial care.
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 insurance is one type of coverage that many people simply either don't think about, or undervalue its importance. Statistically, disability coverage is far more important than life insurance.
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Thank you for your interest in Beal & Winn Insurance. We work with multiple A+ carriers to bring you the best coverage at the best rates. Please feel free to call our office at 979-268-1500 and speak to an insurance professional or email your questions and an agent will reply promptly.