Health Insurance

Do you know someone who has suffered from a Cancer or a Critical Illness such as Heart Attack or Stroke?

Most of us do. And for those of us who have witnessed a Family Member or Friend go through it, we understand that the impact of a Cancer or Critical Illness is not just physical, but takes a toll Emotionally & Financially as well.

While there has been remarkable progress in the last several years, treatment is often both rigorous and expensive. These costs can cause people to delay treatment or to totally deplete their family savings to pay for the treatment. In Fact, as of 2009, 50% of All US Bankruptcies were Medically Related, and of those, nearly 75% HAD Health Insurance.

Shouldn’t my Health Insurance pay if I have Cancer or a Critical Illness?

A comprehensive health insurance plan will pay a percentage of any covered medical treatment, including cancer or critical illness. However, these plans have co pays and deductibles which often have to be met before benefits are payable. Furthermore, not ALL associated Expenses may be covered.

Traditional Health policies may not cover certain treatments that may be considered “Experimental” or treatment at the Top-of-the-line Cancer Treatment Center may be “Out of Network” which increases your out-of-pocket exposure and reduces benefits on your health plan. Other uncovered expenses to consider may be: Time off work for the Patient AND the Spouse, Travel Expenses, Hotel, Special Needs Equipment, Dietary Needs, Over-the-Counter Vitamins, Remedies, and medications, on going Prescription Drug & Specialist Dr Visit Co-pays (That continue even after the Annual Out of Pocket is met).

These hidden expenses can add up quickly and can be a devastating Financial Burden to the entire family. Call us today to see if you qualify to protect your family’s way of life.

• Short Term Coverage
• Student Health Plans
• Guaranteed Issue/High Risk Plans