Different types of Health Insurance?

When's the last time you thought about your health insurance? If you did not recently fill a prescription or need to see a doctor, it is possible that the last time you thought about your insurance plan was last fall.

You can hit the ground running this year by understanding the different types of health insurance you can consider.
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What is Medicare?

Medicare is a federally funded and operated health insurance program originally designed for people who are 65 or older.

Throughout the years, Medicare has expanded to include disabled people under 65 and those with special circumstances. The program is divided into four parts: A, B, C, and D, and is the same nationwide.

What is the difference between Medicaid and Medicare? Can I have both?

Medicare and Medicaid are terms you often hear together. That is because both are government programs. However, they work differently.

There is another type of plan called a Dual Special Needs Plan (D-SNP). D-SNP plans include both Medicare and Medicaid benefits. People may qualify for Medicare, Medicaid, or both, depending on their situation.

What is life insurance?

Life insurance is a contract with an insurance company. You are protected through the lifetime of the contract in exchange for monthly or annual payments.

If you were to die while your policy was active, your chosen beneficiary or beneficiaries would receive a sum of cash.

Your beneficiary might use this money, called a death benefit, to pay final expenses, pay the rest of your mortgage, or cover any expenses for your loved ones. In most cases, the death benefit is tax-free.

Why do I need life insurance?

Life insurance is for your loved ones. Would they be financially prepared to cover the household expenses if you were no longer around to help with the family bills?

If you are carrying debt or have a mortgage, would your family be able to cover these expenses in case of your death?

Life insurance provides cash benefits to cover these costs, so your family will not face financial hardship during an already challenging time. We think that life insurance translates into an act of love for those you care about.

What is the difference between ACA plans and short-term insurance plans?

When it comes time to choose a health insurance plan, it is important to know the details about how the plans work. There are different plans for different stages of life and knowing the differences may help you choose.

Take a look to learn the differences between Affordable Care Act (ACA) and short-term limited duration insurance health plans. When it comes time to choose a health insurance plan, it is important to know the details about how the plans work.