Health & Dental Plans

Health Insurance

An individual or family health insurance plan covers one person, or a family, on one plan. While an individual or family health insurance policy may cost more than a group policy it is better than not having health insurance coverage at all. An unexpected illness or serious injury can ruin a family financially if they do not have some basic coverage. Most insurance companies offer the same types of managed healthcare plans to individuals that are offered to groups: HMO’s (Healthcare Maintenance Organizations), PPO’s (Preferred Provider Organizations) and POS’s (Point of Service Plan), and generally offer different levels of deductible to keep premiums within budget. Each person or family must determine what coverage, premium, deductible and out of pocket expense will best suit their needs and their family budget. Unlike group insurance that is available to an entire assemblage of people, no matter what their health status, almost all insurance companies require extensive questioning about medical history and sometimes a physical exam in order to qualify for individual insurance.

We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.


Dental Insurance

Dental insurance is equally important to health insurance because dental disease is still prevalent.

Being protected by a dental plan and using it wisely are necessary safeguards for your entire family.Unlike medical ailments, which are usually unpredictable, most dental problems are preventable. Checkups and cleanings are the way to keep teeth healthy. With regular preventing care, problems are diagnosed in time and can be treated with less expense to both, insurer and insured, keeping the costs of dental care much lower than medical care.

Generally, a local dentist provides dental care, even though sometimes the services of a specialist are required.Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist, while others, in exchange for lower rates, limit your choice.Today’s health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost.

Because each person’s oral health is different, costs can vary widely.To control dental treatment costs, most plans will limit the amount of care you can receive in a given year. This is done by placing a dollar “cap” or limit on the amount of benefits you can receive, or by restricting the number or type of services that are covered.

As each individual and family have different circumstances please contact us today to evaluate your dental insurance needs and we will work to find the plan the best fits your needs and budget.