Understanding Your Options

  • By interactive
  • 19 Jun, 2017

A brief look at supplemental health insurance and available plans at Winters Insurance.

Health Insurance - Quincy IL - Winters Insurance

Supplemental Health insurance coverage has been available for centuries, but many do not understand how it works and how each plan can affect the individual under care. With this being said, we're going to break down some of the different health insurance coverage programs here at Winters that are available to you (and possibly your family).

Health Insurance Coverage

There's a wide range of health insurance coverage policies you can select from that offer unique perks with each plan. Such common supplemental health insurance coverage plans are:

Short-Term Medical  

A short-term medical plan is perfect if you're in a position where you need a temporary solution in order to fill in gaps for coverage. If you're waiting for your coverage to begin after starting a job, find yourself between jobs, waiting for Medicare approval, or find yourself without health insurance, short-term medical might be the right decision for you at the moment. However, these are not intended to be utilized as a single long-term plan.

Individual Health Insurance

A health insurance plan is known for covering your injuries, illnesses, and conditions, but an individual health insurance plan allows you to select and pay for what you need. This type of insurance is an excellent choice if you're looking to safeguard yourself and your family, you understand that medical emergencies can happen at any time, or you want access to doctors with negotiated rates.

Health Savings Account 

The funds that you contribute to a health savings account will not be subjected to any federal income tax after you deposit them. If you do not spend the funds, your saved funds will roll over and accumulate. This plan will be owned by you (as opposed to a company) and you can pay for qualified medical expenses with these funds.

Medicare Supplement Policies 

A Medicare supplement policy is sold by a private company to you and is intended to help you pay the healthcare costs that basic Medicare can't cover.

Considering the health insurance plans available at your disposal, finding a plan that suits your needs shouldn't be an issue. Regardless of your situation and the coverage you need, all you need to do is explore the options and discover the plan that can cover the care you need.

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