Health Insurance


Don't get stuck paying thousands of dollars out of pocket in medical expenses.

 

Health insurance covers the cost of your medical expenses. Some types of policies require you to pay costs out-of-pocket and then get reimbursed. With other types,  the insurer makes payments directly to the provider.

*Some of the products we offer:

Major Medical-covers the expenses associated with serious illness or hospitalization. Major medical plans usually have a set amount, or deductible, for which the patient is responsible. Once that is paid, the plan covers most of the remaining cost of care, subject to co-pays or co-insurance paid by the patient. Most health insurance plans sold today are major medical plans.

 

 

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Fixed Benefits-affordable health plan that has no deductible to meet and these plans pay set cash benefits to help with everyday medical expenses and more, regardless of the actual cost of the services.

 

Temporary- temporary coverage designed to fill gaps in coverage.  Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, waiting for other health insurance to start, college grads coming off their parent’s health plan, or retired early and waiting for Medicare eligibility. Typically, short term plans offer coverage up to six months, although some plans may offer coverage up to 11 months. If you think you’ll need coverage for a longer period of time, you may want to look at our renewable individual and family health insurance plans.

 

Supplemental-additional or extra insurance that you can get to help pay for out-of-pocket or services that your regular insurance will not pay for.

 

Cancer-type of supplemental health insurance that is meant to manage the risks associated with the cancer disease and its numerous manifestations. Cancer insurance is relatively new trend within the insurance industry at large. It is meant to mitigate the costs of cancer treatment and provide policyholders with a degree of financial support. This support is based upon the terms written into a particular policy by an insurance company.

 

Critical Illness-Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis* of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery.

 

Dental-insurance that helps pay a portion of the cost for dental treatment and care.

 

Accident-insurance that help pay medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

 

Vision-a type of health insurance that entitles you to specific eye care benefits defined in the policy. Vision insurance policies typically cover routine eye exams and other procedures, and provide specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses.

*If you need an insurance product that is not listed contact us via phone at 1-731-658-5005 or email us at JoyInsuranceLLC@yahoo.com