Oberlin Marketing represents strong “A” rated Individual Health carriers that can withstand the ever changing health market! The Individual Health carriers we represent are industry leaders who strive to make health coverage affordable along with solid benefit protection. Most health carriers also offer reliable temporary insurance protection. Contact the Individual Health Department for your client requests of short term medical, travel, dental, disability, critical illness, cancer, accident or guarantee issue needs. If you client asks for a particular product that you don’t have, don’t say no, call Oberlin Marketing today!
Major Medical carriers offer flexibility of coverage to meet specific health needs and budgets. Each health carrier offers choices of benefits covering important medical and hospitalization costs as well as some extra benefits. Every plan includes annual first-dollar preventive care coverage. Another option available is a high deductible health plan that can be paired with an HSA saving account for potential tax advantages.
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.
Limited Medical Indemnity Benefit plans offer guarantee issue limited health coverage that should not be confused with major medical insurance. These plans typically offer first dollar coverage – no deductible, no coinsurance and no copays. A fixed dollar amount is paid based on the benefit plan. An accident only benefit plan is also available at a very low premium. Employment is typically not required.
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.