Can offset some of the unexpected medical expenses that may result from a covered accidental injury. Coverage includes, but it not limited to, inpatient/outpatient treatment, Emergency treatment in a hospital emergency room or physician’s office, ground or air ambulance transportation, and accidental death and dismemberment.
Helps manage the risks associated with the cancer. It is meant to mitigate the costs of cancer treatment and provide policyholders with a degree of financial support. Coverage includes, but is not limited to, radiation therapy, surgery, and hospital confinement.
Critical Illness Insurance
Pays a lump sum to the employee that they can choose how to spend. This could help with medical and non-medical expenses associated with a covered critical illness. Some examples of critical illnesses are heart attack, stroke, and organ transplants.
Can offset the costs of some dental expenses. Most dental plans have an annual dollar maximum. This is the maximum dollar amount a dental plan will pay toward the cost of dental care within a specific benefit period (usually January through December). The patient is personally responsible for paying costs above the annual maximum. Fillings, crowns, implants and dentures may have various limitations.
Reimburses a portion of an individual's income, typically between 45% - 60%, if they are unable to work for a period a time. Short-Term Disability usually pays replacement income for up to 6 months, while Long-Term Disability pays replacement income from 6 months through retirement age.
Many families are feeling the effects of ever-increasing deductibles and co-insurance. GAP insurance may help relieve some of the financial worry by helping to cover some of the out-of-pocket expenses that are not covered by your major medical insurance. Benefits can be paid directly to the employee or assigned to a chosen hospital, treatment facility or physician. Coverage includes, but it not limited to, in-hospital benefits, outpatient benefits, office treatment, and labs.
Hospital Indemnity Insurance
Provides a lump sum benefit which may help reduce expenses related to a hospital stay. Benefits can be paid directly to the employee or assigned to a chosen hospital, treatment facility or physician. Coverage includes, but it not limited to, hospital admissions and stays, surgery, and emergency room visits.
In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.
Long-Term Care Insurance
Reimburses policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. Care facilities typically include nursing homes, assisted living facilities, and home care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.
Prescription Drug Plans
Customized programs that employers can provide to employees that offer competitive drug pricing and measurable savings on prescriptions.
Health and wellness plans designed to reduce an employee's costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK.
Areas we serve in-person include all of Palm Beach and Broward counties ,including and not limited to, Delray Beach, Boca Raton, Highland Beach, Boynton Beach, Lake Worth, West Palm Beach, Deerfield Beach, Pompano Beach, Coconut Creek, Coral Springs, Parkland, Fort Lauderdale, Jupiter, Sunrise, and Hollywood.