EMERGENCY ALERT This virus is now rampant in China and Europe and we now have deaths in the United States
We are afraid that if this increases more that the insurance industry will SHUT DOWN the life insurance market
We have a program for $5.00 a month that will buy $25,000 life insurance that cannot be cancelled.
DON’T WAIT.CALL AT ONCE. The life insurance market may close down.
Does your employer provide or offer these benefits to you ?
401K,LIFE INSURANCE, HEALTH INSURANCE
Retirement will be here before you know it . What do you have put aside? Nothing?
Health insurers consider several risk factors in determining how risky it is to cover you. That includes the state you live in, your gender, medical history, current health(for example, if you’re a smoker), and your age.
The time to buy medical insurance is before you are sick.
You don’t think you need life insurance? What happens when you retire? Will you still have it? Probably not! Get it now while you are younger!
The cost is almost not affordable around retirement age .
WE CAN HELP YOU WITH ALL THESE ISSUES.
Use the link below ???????????????????
Health Insurance is a necessity of life !
If your employer does not provide or offer health insurance we are now required to obtain health insurance for ourselves.
Have you ever tried to use the Insurance Market place? It is so confusing !
Here are some terms that will be used :
*DEDUCTIBLE – a fixed $ amount that YOU must pay before the insurance starts to make payments.
*CO-INSURANCE – YOU pay a percent of the medical expense after the deductible.
*CO-PAYMENT – YOU pay a fixed amount when a medical service is given
Did you understand all that?
Here are some things you should also consider when choosing an insurance plan:
* What is your general health
* Smoker or non-smoker
* Have a chronic disease or condition
* Have allergies
Health insurance coverage is NOT one size fits all! You do not need the same insurance as your parents, grandparents or brother or sister.
Health insurance will depend on you and what you need to cover your expenses if you do become ill or need surgery or testing.
Call Hector at 570-587-2615 and he will guide you through the maze of health insurance coverage.
10 ESSENTIAL FACTS
1.The open enrollment deadlines have changed
2.You MUST sign up if you do not have health insurance
3.This is the time to make changes
4.Marketplace open enrollment only for health insurance
5.If you miss open enrollment, you may have to wait for a year.
6.Penalty increase
7.Four levels of individual/family health insurance plans
8.Health plans must cover 10 essential benefits :*outpatient care *Emergency care *Hospitalization *Pregnancy and newborn care *Mental health and substance abuse services *Prescription drugs *Rehabilitation services *Lab tests *Preventative and wellness services *Dental and vision care for children
9.Your family size and income
10. If you suffered a hardship, you may not be required to buy health insurance
INSURANCE PREMIUMS ARE PREDICTED TO INCREASE BY DOUBLE DIGITS!!!!
Call Florey Insurance for the best rate for you at 570-587-2615.
What kind of Dental Coverage do you need?
If you want to get dental insurance, you will gind a lot of plans to choose from.
EMPLOYERS’S PLAN
INSURANCE MARKETPLACE:You can go to your states market place.
Call an INDEPENDANT AGENCY that provides health insurance.
Types of Plans :
HMO
PPO
Dental Discount Plan
Dental Indemnity Plans
Types of dental insurance