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Health insurance is insurance that pays for all or part of a person's health care bills. The types of health insurance are group health plans, individual plans, workers' compensation,and government health plans such as Medicare and Medicaid
Health care costs include doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services.
Dental Insurance is insurance designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, and other providers of dental services. Dental care costs include cleanings, exams, x-rays, fillings, crowns and other treatments and services.
Short Term Disability is insurance that protects people who become temporarily disabled due to sickness or injury. Some policies also include maternity leave as short term disability.This insurance replaces a portion of your income for a short period of time specified in your contract.
Long Term Disability insurance is insurance that protects people who can’t work because of sickness or injury that lasts typically six months or more. This insurance replaces a portion of your income for a long term period of time specified in your contract.
Vision insurance is insurance that provides coverage for the services rendered by eye care professionals such as ophthamologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses and contact lenses, with or without copays, depending on the plan chosen.
Group life insurance covers the lives of multiple persons, such as some or all employees of a business, members of a labor union or members of an association. The person owning the “master policy” in these examples is the employer, the union or the association. The insured persons (employees), generally may name their own beneficiaries. The most common form of group life insurance is “term life insurance”.
Are often referred to as Worksite Marketing products and they can be any type of additional benefit that is added to an employer’s menu of benefit options. These benefits may be provided through insurance products that can be classified as core products or ancillary products. Commonly offered products are Life Insurance, Disability, Critical Illness, Dental and Accident Insurance.
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