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Health Insurance
Finding the right Health Insurance products can be challenging in today’s insurance environment. Term 2 Keep offers a complete line of individual health insurance products that are crafted to meet your and your family’s specific needs. We work with several different top-rated insurance companies and will place your account with the company that will provide you with the coverage and benefits you want.
Term 2 Keep can help you make sound, informed decisions about issues affecting your health insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace of mind.
Health Packages We Offer
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The Affordable Care Act (ACA) was signed into law by President Barack Obama on March 23, 2010. Often referred to as Obamacare, the law establishes minimum standards for health insurance policies and mandates that everyone purchase some form of health insurance. One of the primary goals of Obamacare is the expansion of coverage to individuals who were previously unable to purchase insurance due to pre-existing conditions.
Applicants can shop for health insurance online in regulated marketplaces administered by either their state or the federal government.
The official site of the Health Insurance Marketplace HealthCare Exchange is https://www.healthcare.gov.
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Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your family.
Term 2 Keep offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.
As an independent agency, Term 2 Keep can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.
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Individual Dental Insurance is available to individuals and families that are not covered by group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist's office could mean a substantial amount of money out of your pocket.
A freedom-of-choice plan allows you to see any dentist you wish. However, this plan does impose 6- to 12-month waiting periods for some services. This is not the best plan for an individual who needs comprehensive coverage within the first 12 months. However, if dental coverage is desired for a long period of time, and there is no rush to receive the major benefits, this plan may work for you.
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Originating in the 1960s, Medicare is a government-provided fee-for-service insurance program intended primarily for seniors. The program encompasses several distinct parts, each of which is outlined below.
• Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
• Medicare Part B covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.
• Medicare Part C (Medicare Advantage) covers elements of Parts A, B, and sometimes D.
• Medicare Part D covers prescription drugs.
• Medigap comes through private insurance companies and aims to fill in the “gaps” left in the traditional Medicare coverage.
While standard Medicare offers coverage for a wide variety of services, you may find that a different plan through a separate insurance carrier better fits your needs. If you are interested in an alternative plan, we can help you find coverage through either Medigap or Medicare Advantage. Both of these plans offer additional support through third-party insurers, and they are required to provide equal or better coverage when compared to regular Medicare.If you believe that Medigap or Medicare Advantage are right for you, contact us today to discuss your insurance options.
*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).
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Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only forty-three percent of large companies provide group long term disability insurance.
Your chances are even less likely to get long term disability insurance if you work for a small company. The cost of a plan provided by your employer is usually less than you would pay for an individual disability policy and often you can get coverage automatically without having to qualify medically. If your employer doesn't provide disability insurance then you may want to consider an individual disability policy.
Or, you may need a personal disability insurance policy to supplement an employer group plan. Be sure to check the group provisions carefully: How long does the group disability insurance coverage last? How much is the benefit? Does the disability insurance policy cover bonus and commission income? Will the coverage continue if you leave that employer?
A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.
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Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.
Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.
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Vision insurance provides coverage for services relating to the care and treatment of the eyes. It typically covers services delivered by an optometrist or ophthalmologist. Depending on the specific plan, some or all of the following services may be covered:
• Yearly eye exams - glasses (with an annual limit).
• Contact lenses and fitting (with an annual limit).
• Glaucoma screening.
Some vision insurance plans may provide more extensive coverage (such as certain eye surgeries), while others may limit coverage to "reasonable and customary" charges incurred during routine eye exams. Reasonable and customary charges generally do not include the cost of glasses and contact lenses.