What would you do if you became disabled during your working years? Disability coverage is designed to safeguard your income from just such a catastrophe. Short-term and long-term disability insurance are designed to replace a portion of your income due to temporary or permanent disability.
These are special policies designed to provide direct cash benefits to policy holders when a diagnosis of cancer occurs or one of several other covered critical illnesses occurs. Offered in various policy types (lump sum and recurring payments), these policies can help ease the burden of additional expenses that arise after an unexpected health crisis.
Major medical plans often require deductibles and coinsurance for hospital stays. Hospital plans are designed to help cover some of the out-of-pocket costs for in-patient hospitalization. Some even offer surgical benefits.
These low-cost plans can help reduce your out-of-pocket costs for eye exams, lenses, frames and contact lenses.
Insurance plans that help offset the costs of dental care. These policies can have loose or strict network requirements, depending upon the type you choose. Consider your current dental needs, costs and network requirements when choosing one of these plans.