Life and Health Insurance


Health insurance is a constantly growing concern for all Americans. Are you eligible? How much will it cost? What can I get? If you have had to use it in the past, you know how important it can be. The various options available can be confusing, but your not alone. Let us help you customize a program for you and your family that provides the coverage you need for a competitive price.

The term health insurance refers to a wide variety of insurance policies. These range from policies that cover the costs of doctors and hospitals to those that meet a specific need, such as paying for long-term care. Even disability insurance—which replaces lost income if you can’t work because of illness or accident—is considered health insurance, even though it’s not specifically for medical expenses.

Here are some of the things to look at when choosing and comparing health insurance plans and descriptions of some of the plans that are available:

  • Inpatient hospital services
  • Outpatient surgery
  • Rehabilitation facility care
  • Hospice care
  • Office visits
  • Maternity care
  • Mental health care
  • Skilled nursing care
  • Mental health care
  • Chiropractic treatment
  • Medical tests and X-rays
  • Physical therapy
  • Physician visits (in the hospital)
  • Speech therapy
  • Prescription drugs
  • Preventive care and checkups
  • Well-baby care
  • Drug and alcohol abuse treatment
  • Home health care visits
  • Dental care
  • Other covered services