Health Individual and Family
Major medical insurance plans
Under the ACA, medical plans must offer minimum essential coverage, meaning that no one can be turned down for a plan during the Open Enrollment Period for medical reasons, including pre-existing conditions. In addition, certain services and treatments must be offered in all health plans, regardless of where you buy the plan or from what insurance company.
Short-term health insurance plans:
Short-term health plans do not comply with the Obamacare law. However, if you missed the Obamacare open enrollment period, a short-term health policy can provide you with some level of coverage you in the meantime.
The best time to check into Medicare Supplements (Medigap) is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available.
Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplements and at Lette Insurance Agency, we can assist you in your Texas insurance coverages.
Long Term Care
Today, the costs of nursing homes and elderly care is continuing to rise. If you plan now, you can provide you and your family with the coverage you need to protect your assets and maintain financial security that you may need later in life.
In general, if you can’t perform daily activities because of an impairment as a result of chronic illness or disability, you will need long term care. This would include the assistance you could need if you are unable to take care of yourself for a long period of time. However, some people who need help with these daily activities may only need them for a few months
The Different Types of Health Insurance Plans
Let us break down the various types of health insurance plans for you to help you choose the right health plan for you and your family.
Auxiliary health policies are those extra policies that you may want to have for you or your family:
- Dental coverage
- Critical Care & Recovery
- Short-term Disability
- Hospital Indemnity
- Personal Sickness Indemnity
- Critical Care & Recovery (CC&R)