With the uncertainty in the individual health area, many major carriers have exited the market. To view carriers and plans in your area, visit www.healthcare.gov
. For carriers that do not pay commissions, a consulting fee
may be charged. Please contact the Individual health Department for your client requests for short term medical, dental, vision, travel, critical illness, cancer, accident and hospital indemnity. If your client asks for a particular product that you don’t have or know about, call Oberlin Marketing today!
Short Term Medical health coverage is affordable protection for a limited period of time when health coverage is needed the most. This type of temporary coverage is important protection when your client is in transition such as: between jobs, waiting for employer benefits, a recent college graduate or unable to afford COBRA.
Travel medical plans offer a complete package of international benefits available 24 hours a day for U.S. citizens traveling outside the United States with coverage for brief returns to the U.S. Non-U.S. citizens are also able to obtain coverage while traveling outside their home country. These carriers offer long-term, worldwide medical insurance protection when someone is living abroad for extended periods of time. TRIP cancellation coverage also provides coverage for unforeseen circumstances that may force the cancellation of planned trip.
Dental coverage is designed to protect your client’s assets against unexpected painful problems. Dental coverage can be added to a major medical policy or your client can purchase a standalone dental plan. Some dental plans allow the combination of dental, vision and hearing in one package with no PPO requirement.
Disability Income protects your client’s most valuable asset – income. If your client does not have a disability policy to protect their income, an accident or serious illness could rob your client of their ability to work. Loss of income can cause the following statistic: 62.1% of all U.S. bankruptcies are caused by a medical condition! There are several disability concepts such as: short-term accident/sickness, long-term accident/sickness, business overhead expense or a graded benefit policy designed for those who can’t qualify for a regular DI policy.
Critical Illness or Cancer Insurance pays a lump sum benefit upon the first confirmed diagnosis of a covered illness or medical procedure. The cash benefit is paid directly to your client in addition to any other kind of insurance payment such as: health, disability income or worker’s compensation. The money can ease the financial stress that a critical illness creates.
Hospital Indemnity medical coverage typically offers lump sum payment for hospital confinement, daily skilled nursing benefit, registered nurse at-home service and/or ambulance benefit. The Indemnity coverage will help with out-of-pocket expenses and gaps from other types of in force insurance coverage.
Medi-Share is a healthcare sharing ministry where members share each other’s medical expenses. Members of Medi-Share have a God-honoring choice for their healthcare and although not insurance, Medi-Share is acceptable under the law.
· Credibility: Since 1993, Medi-Share members have shared and discounted more than $1.7 billion in medical bills!
· Community: Fellow members pray for and encourage one another.
· Convenient: When members submit an ID card at the doctor, the provider will submit bills directly to Medi-Sharefor processing and discounting.
· Comprehensive: Members save by being a part of one of the largest network of providers in the country, or freedom to choose any provider!