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The IRS announced new contribution percentages for 2020 to determine the affordability of an employer’s plan under the Affordable Care Act (ACA). Employer sponsored coverage, for plan years beginning in 2020, will be considered “affordable” if the employee’s required contribution for self-only coverage doesn’t exceed 9.78% of the employee’s household income for the year (for purpose of both the pay or play rules and premium tax credit eligibility).
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Final expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing. Unlike life insurance, final expense policies have a much lower face value because they are intended to only cover costs related to a person’s final expenses. Therefore, these policies can often be purchased at low or reasonable premiums.
Features include:
We offer the following through our partner, Freshbenies:
Gap insurance provides benefits that supplement a low premium, high deductible major medical health plan. It works by paying a significant amount of the deductible. More specifically, the additional benefits help to cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services. For example, if you have a $5,000 deductible on your major medical plan, gap coverage could pay up to $4,000 of that deductible. You may find you save more money with a low premium high deductible health plan, along with the additional premium for gap insurance, when compared to one low deductible, high premium plan.
On demand healthcare via phone, anytime, anywhere to treat common medical issues, such as cold, flu, respiratory infections, allergies, skin conditions, depression, stress, addiction and more. Enjoy an extensive network of licensed physicians with varying specialties who can diagnose illnesses, and, in many instances, prescribe medications.
Telehealth is an emerging healthcare solution that has shown proven to improve patient outcomes and save heathcare consumers thousands, if not more, in healthcare costs.
These supplemental plans help individuals augment their health insurance or Medicare insurance and create a financial safety net for excessive out-of-pocket expenses, unforeseen health issues and/or accidents.
A critical illness or accident can prove disastrous to the financial future of both you and your family. But, accidents can happen anytime and surviving a critical illness is becoming increasingly common with the advances in modern medical technology. A Critical Illness Plan, Heart, Stroke or Accident Plan can help reduce the personal financial impact of the cost of fighting or recovering from an illness or accident, and keeping up with everyday bills through that process. These policies will provide a lump-sum cash payment upon approval of a covered accident or condition. If you have a health insurance plan and/or disability insurance, these policies will provide benefits in addition to your other coverage.
Key Features
Disability Insurance protects your ability to earn a living during your working years. In other words, it protects one of your most valuable assets. And, this is pretty important considering that statistics show our chances are greater of becoming disabled than dying between the ages of 25 & 45. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
Employers often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
A standard Short Term Disability (STD) policy allows for income payments to begin after a two-week waiting period. Payments will continue to the insured until he/she recovers or maxes out the benefits. Thus, total benefits for a STD could last for anywhere from one month to two years, depending on the policy.
A Long Term Disability (LTD) policy allows for income payments to begin after a ninety-day waiting period, although it could be much longer depending on the policy. Once payments begin, they will continue far longer than STD. Thus, the total benefits for a LTD could last for a few years, up to age 65, or even for life.
This coverage complements your Original Medicare Parts A and B and covers more of your out-of-pocket expenses. While plans are regulated and contain the same benefits, premiums do vary greatly. Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.
Note: You can purchase a Medicare Supplement at any time of the year, but you must already be enrolled in Medicare. Also, if you purchase a plan during open enrollment, you may skip medical underwriting.
Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.
Individual and family dental & vision plans or policies are relatively inexpensive and can be purchased any time of the year. Studies have shown that having access to dental and vision care promotes overall well-being. Regular dental and vision exams optimize eye and oral health, and can also detect serious underlying medical conditions. Some studies have even shown that people who have dental and vision insurance suffer less from depression, than those who do not have coverage.
Save 10% to 60% on dental care services with no caps and no waiting periods. Plus take advantage of additional savings available on Telemedicine, Vision, Rx and more! Plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including:
| -Cleanings | -Exams |
| -X-Rays | -Filling |
| -Orthodontia | -Glasses, Contacts |
| -Lasik | -Emergency Care while traveling |
Short Term Medical Plans can be purchasede any time of the year and help to bridge gaps in coverage. Length of coverage may vary by state and be up to 1 year with an option to renew for longer terms. Short-term health coverage is less expensive than traditional health insurance because it does not provide full coverage, nor does it cover pre-existing conditions. Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA).
A Long Term Care Plan augments your regular health insurance and pays for services associated with performing tasks required for daily living such as dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. These services fall under skilled care or personal care and are the types of services that Medicare or Disability generally does not cover.
As stated, long-term care is usually not medical care and most often does not require a doctor or a nurse. In addition, the need for LTC is not always age related. In fact, statistics tell us that more than half of all individuals age 65 & over will need LTC at some point. Even so, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64.
Regular health insurance, Medicare or Medicaid typically will not pay for Long-Term Care services. The cost of LTC can quickly add up and burden those closest to you, both financially and emotionally. Purchasing a LTC plan can help you avoid those difficult situations, as well as give you the power you need to maintain control of your care, choosing the facilities that best suit your needs. Thus, instead of allowing welfare or the government to make your LTC decisions for you, you are in charge. Additionally, you should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.
Institutional Care: Nursing home, assisted living services, residential care facility, hospice care, adult foster home, respite care and more.
Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
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