No one looks forward to the task of finding the right insurance coverage. It's time consuming and often unnecessarily complicated. Our team agrees, and that's why we endeavor to make your insurance shopping a pleasant, simple experience.
Term Life Insurance that is renewable every 20 years until age 70. NO proof of insurability is required.
Life is unpredictable. You can’t predict when you will die, whether from disease, accidental injury, or natural causes. But, you can purchase coverage to help provide a cash benefit to help pay for funeral expenses, or additional expenses your family may have to face without your paycheck. Make sure money won’t be concern for your family… plan today!
The Major Medical Complement is an insured product designed to help pay deductibles, coinsurance and co-payment amounts for those with high deductible major medical coverage.
The benefits provided by the Major Medical Complement will help you pay for out-of-pocket expenses you might be responsible for due to a hospital confinement or due to most out-patient procedures. For as expense to be eligible, it must meet three criteria:
#1 First, it must be medically necessary for the treatment of an injury or a sickness. Expenses resulting from voluntary or elective surgeries, procedures or expenses due to wellness or preventive care, and those expenses designated as physician office visit expenses are not covered.
#2 Second, the expense must be covered by your major medical plan, and must have been applied towards your deductible or coinsurance provision under plan. If an expense or procedure is not covered by your major medical plan, it will not be eligible expenses under the Major Medical Complement. If an expense or procedure is covered by your major medical plan, but the charges for such are not applied to your deductible or coinsurance provision, it will not be eligible under Major Medical Complement.
#3 Third, The expense must be incurred while the Major Medical Complement coverage is in force
Frequently Asked Questions About Gap Coverage
If you have little to no savings and spending time in the hospital could cause a major financial burden to your family, then this may be for you.
The average length of stay in a US hospital is 4.9 days. Even just a couple of days on the hospital could be costly to you. Lost income, medicines and therapies can quickly add up.
Health Insurance is a good way to help pay the costs of medical treatments that may be necessary, but most plans offered today don’t pay all costs if your treatment requires a visit to your physician, the emergency room, or an extended stay in the hospital.
The average length of stay in a U.S. hospital is 4.9 days. Even just a couple of days in the hospital could be costly to you. Lost income, medicines and therapies can quickly add up.
Supplemental health insurance can help protect our hard-earned savings, and it can help you cover some of the costs associated with hospital care.
If you have little or no savings and spending time in the hospital could cause a major financial burden to your family, than S.H.O.P insurance may help protect your finances.
Here’s what you get with the S.H.O.P policy:
Your dental health plays a major role in your overall health. Visiting your dentist regularly to maintain your dental health doesn’t have to be costly.
With Group PPO Dental coverage, you don’t have to worry about having the finances to cover the expenses. Plus, you get the flexibility to choose from Guardian’s DentalGurad Preferred network dentist.
Full Sail Benefits, Allstate Benefits and Guardian offer a creative and cost-effective Group PPO Dental coverage, Guardian’s DentalGuard, designed to help you maximize choice and minimize choice and minimize cost, plus protect your hard-earned savings when dental work is performed.
Routine dental visits can help reduce the risk of permanent damage to your teeth and gums, helping reduce the need for more extensive and costly treatment in later years. Having good dental benefits keeps you healthy and saves you money.