Supplemental health insurance.
Important
Annual Open Enrollment Dates
INDIVIDUAL HEALTH
Nov. 1st – Dec 15th*
MEDICARE MARKET
Oct. 15th – Dec. 7th*
To enroll for health insurance or Medicare after open enrollment, you will need to have a qualifying event. Most other supplemental health insurance plans can be purchased any time of the year.
Instant or Customized Quotes – Supplemental Health Insurance
JS Benefits Group offers individual supplemental health insurance plans from some of the best carriers in the nation.
Click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
Learn more about supplemental health insurance and the types of Individual and Family Major Medical Plans available through our carriers.
HMOs
An HMO health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. Therefore, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
PPOs
A Preferred Provider Organization or PPO health plan will save you money on services if you use the preferred providers within the network. However, keep in mind that deductibles must be met on this plan before some services will be covered. Thus, a PPO will generally allow a certain amount of services annually outside of the deductible with a small co-pay, and, in addition the PPO has a large network with quality care providers and excellent prescription drug coverage.
Catastrophic Plans
Catastrophic Plans are great for those healthy individuals who do not expect to need medical care throughout the year other than routine preventative care. Accordingly, these plans are generally available for those people under age 30. However, you should be aware that catastrophic plans may or may not contain the essential benefits required by the ACA to avoid a tax penalty.
Purchasing supplemental health insurance such as Dental and Vision is a smart affordable way to provide extra security and peace of mind beyond your health insurance. And, it can be purchased any time of the year.
Click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
Learn more about Dental and Visions insurance coverage for Individuals.
Individual Dental Plans
Individual dental plans are inexpensive and can contribute greatly in promoting overall good health. Studies have shown that regular dental exams can optimize oral health to prevent cavities and bad breath. In addition, they help to detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression.
Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Individual vision plans are similar to individual dental policies, as they are inexpensive and save you money on routine exams, eyeglass frames and lenses, contacts, and even offer big discounts on procedures like LASIK. Additionally, monitoring your eye health with regular exams helps to prevent serious eye diseases like glaucoma and cataracts, and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
Life Insurance can be purchased any time of the year and is an affordable safety net to help you protect the people you love the most. It is one of the most popular supplemental health insurance plans available.
For a customized quote on Term or Permanent Life, click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
Learn more about the different types of Life Insurance available through our top carriers.
A good life Insurance policy covers your loved ones in the event of your passing. It will pay for your final expenses, your mortgage and taxes. Most importantly, it provides for the living expenses of your loved ones when they no longer have your income. It can also cover your children’s education and more.
Basic types of Life Insurance
Cash Value:
This type of life insurance policy builds up a cash value that has many benefits to the insured. Benefits include borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Types of cash value life insurance are whole life, variable life and universal life . Cash value insurance is also known as permanent life insurance, because it provides coverage for the policyholder’s entire life.
Term Life Policy:
A term life insurance policy covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness. A term life insurance policy does not build cash or investment value.
Whole Life Policy:
This type of coverage combines term life coverage with an investment fund, and as long as you pay your premiums you are covered for life. Part of your premium goes towards the term part that pays a fixed benefit upon your death, and part of your premium goes toward building taxed deferred cash value that you can borrow against. Some whole life policies offer plans in which you can pay a higher premium for a shorter, fixed period of time, such as 20 years, vs. your whole life.
Universal Life Policy:
This type of policy combines term insurance with an interest earning money market account. It has flexible terms that let you adjust your payment or coverage amount. Because this account incurs expense charges, you will need to adjust accordingly to make sure your coverage stays active, in the event that the amount in your account becomes insufficient to meet premium payments. You also have the option of building more cash value by paying premiums even when your account has ample funds to cover them.
Click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
Learn more about Short and Long Term Disability policies.
Disability Insurance protects your ability to earn a living during your working years. In other words, it protects one of your most valuable assets. And, this pretty important conisdering that statistics show our chances are greater of becoming disabled than dying between the ages of 25 & 45. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
Employers often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Who needs coverage?
Individuals who do not have disability through their employer can purchase an individual disability policy. Additionally, self-employed individuals who desire disability coverage can also purchase an individual policy. Even those who already have disability insurance through their employer, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.
What type of coverage is available?
A standard Short Term Disability (STD) policy allows for income payments to begin after a two-week waiting period. Payments will continue to the insured until he/she recovers or maxes out the benefits. Thus, total benefits for a STD could last for anywhere from one month to two years, depending on the policy.
A Long Term Disability (LTD) policy allows for income payments to begin after a ninety-day waiting period, although it could be much longer depending on the policy. Once payments begin, they will continue far longer than STD. Thus, the total benefits for a LTD could last for a few years, up to age 65, or even for life.
Click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
Learn more about Long-Term Care insurance.
Long Term Care Insurance
Long-Term Care (LTC) recipients are not “sick” in the traditional sense. Instead, they unable to perform some of the activities of daily living such as dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. Overall, Long Term Care covers services that fall under two general categories which are skilled care and personal care.
- Skilled care is provided when recovering from an illness or an injury.
- Personal care helps maintain the daily activities and functions of life.
As stated, long-term care is usually not medical care and most often does not require a doctor or a nurse. In addition, the need for LTC is not always age related. In fact, statistics tell us that more than half of all individuals age 65 & over will need LTC at some point. Even so, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64.
Why Long Term Care Insurance?
Regular health insurance, Medicare or Medicaid typically will not pay for Long-Term Care services. The cost of LTC can quickly add up and burden those closest to you, both financially and emotionally. Purchasing a LTC plan can help you avoid those difficult situations, as well as give you the power you need to maintain control of your care, choosing the facilities that best suit your needs. Thus, instead of allowing welfare or the government to make your LTC decisions for you, you are in charge. Additionally, you should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.
Here are examples of what LTC policies may cover:
Institutional Care: Nursing home, assisted living services, residential care facility, hospice care, adult foster home, respite care and more.
Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
JS Benefits Group offers affordable, quality Medicare Supplemental Health Insurance Plans, along with Medicare Part D Rx plans. We can help you fill in that gap between your out-of-pocket healthcare expenses and what your original Medicare covers.
Click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
Learn more about Original Medicare, Medicare Supplements and when you become eligible to enroll in a Medicare plan.
Medicare & Medicare Plans
Original Medicare (Part A) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Additionally, Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
Here’s how Medicare Supplement Plans work to offset your healthcare costs:
Medicare Supplement Insurance policies complement your original Medicare and will pay some, if not all, of the expenses that Part A and B do not cover.
Medicare Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.
Signing up for Medicare
Seniors can sign up for Original Medicare Parts A & B three months before they 65, during the month they turn 65, and up to three months after they turn 65. Thus they have have a seven month window to sign up for Medicare when they aging into Medicare.
Once you are already enrolled in Medicare, and you wish to change or purchase Supplement Plans, you must act during the annual open enrollment period (Oct 15 – Dec 7).
When open Medicare enrollment is closed, there are special circumstances in which one may qualify to enroll in Medicare. Accordingly, listed below are the qualifying events:
- You are turning 65
- You move to a new area that is not in your current plan’s service area
- Recently moved back to the US
- You lose your current coverage (either Group or Medicaid)
- You now need a SNP (Special Needs Plan) or you no longer need a SNP
When you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly. Families earning up to $94,000 per household can qualify. This equals about about 400% of the poverty level. We suggest you use our Subsidy Calculator to see if you qualify.
Click to fill our quick quote request and we will respond promptly to help determine your needs and provide you with your best options.
If you obtain insurance through the Federal Health Insurance Marketplace, make sure to list us as your agent to enjoy free plan support.
Agent I.D.: Jennifer Schaefer, NPN#
Important Disclaimers:
Benefit. Any benefit information provided on our website is a brief summary, not a comprehensive description of benefits, and may contain inaccuracies. For more information contact the plan administrator or carrier directly. Limitations, copayments, and restrictions may apply, depending on the plan.
Contact Forms. By submitting our contact forms, you agree that a licensed authorized representative of JS Benefits Group may contact you. We will answer your questions or provide additional information about supplemental health insurance.
Agents. JS Benefits Group, Inc. is a fully licensed insurance agent/agency authorized to market health, life and Medicare supplemental health insurance plans. Therefore, this is a solicitation for insurance. However, you have no guaranteed issue or other benefits. Accordingly, offerings of insurance are made by insurance companies, and are based only on submitted applications. JS Benefits Group is an independent insurance brokerage and, therefore, is not an insurance carrier.
