SHORT TERM/SUPPLEMENTAL HEALTH INSURANCE

Why Short Term Health Insurance

• Bridge the gaps in health insurance coverage

• Short Term health insurance, underwritten by Golden Rule Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life.

• Is short-term insurance for me?

 

                                     Short Term insurance may be for you if you're:

 

• Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don't qualify for Special Enrollment

• Waiting for your ACA coverage to start

• Looking for coverage to bridge you to Medicare

• Turning 26 and coming off your parent's insurance

• Between jobs or waiting for benefits to begin at your new job

• Healthy and under 65

 

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For these situations and many others, Short Term health insurance, also called Temporary health insurance or Term health insurance, might be right for you.  It can fill that gap in coverage until you can choose a longer-term solution.

Langley Insurance & Financial Enterprise offers free, comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate.                     

                                         DISABILITY

If you become disabled, what can you do?

• Collect Social Security?

• Many people think Social Security will cover them if they become disabled. But not everyone who becomes disabled qualifies for Social Security disability benefits – and it doesn’t take care of everything, even for those who do.

• Using your savings?

• After your monthly expenses, how long will your savings last?

• *Borrow money?

• If you’re not working, how would you make your monthly payments? Could you even get approved for a loan at this point?

• *Sell your assets?

• Most people consider this to be their last resort. Not only do people not particularly want to part with their possessions, they rarely get full value for them when they do.

             

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           Be Prepared

 

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Insuring your earning potential is every bit as important as insuring your life, house, or car. Your whole standard of living is, to a great degree, dependent on your income. You have assets – but it’s your steady paycheck that secures your ability to retain them. No matter how comprehensive your medical coverage may be, it’s important to make sure you’ll have money available to help meet your financial obligations if you become disabled.

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Langley Insurance & Financial Enterprise offers free, comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate.

 

                            Critical Illness and Cancer  

 

Langley Insurance & Financial Enterprise offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses. Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

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Critical Illness ( Cancer Insurance Heart Attack/Stroke Insurance)

 

Designed with your client’s recovery in mind The Critical Advantage portfolio pays a lump-sum benefit of diagnosis of a covered condition. And with health care premiums rising and increases in treatment costs, many of your clients will be looking to help cover the difference between expenses and existing coverage.

 

The Critical Advantage portfolio includes three options with numerous price points and options to fit almost any situation or budget.

 

THREE PRODUCTS Critical Illness Cancer Insurance Heart Attack/Stroke Insurance

 

SIMPLE & DIRECT Upon diagnosis of a covered condition, a check is sent to the policyholder, not the health care provider. No receipts or medical bills are necessary. Payment is to them, to use any way they choose. Examples include: Replacing lost income while the client is off work Keeping up with ongoing living expenses Paying health insurance deductibles and copayments Hiring home health care or child care services Traveling to treatment facilities

 

CLEAR NEED Almost everyone knows someone who has been diagnosed with one of the illnesses covered under the Critical Advantage portfolio. And with the health care costs shifting in recent years, the need has never been greater. So, most people will quickly see the value of these policies. In addition, the Critical Advantage portfolio offers several flexible benefits and options. Coverage Options: Lifetime or Term (10, 15, 20, or 30 years) Individual, Single Parent, Family Face Amounts: $10,000 to $100,000 Simplified Underwriting.

 

 

 

 

Want to see how much we can save you? Just request a quote to find out.

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Langley Insurance & Financial Enterprise offers free, comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate.