Health Insurance

Prioritizing the Well-being of Singles, Families, and Corporations Alike

Health Insurance

Prioritizing the Well-being of Singles, Families, and Corporations Alike

The Importance of Health Insurance

Health Insurance is critical to building a robust financial future. Without it, you expose yourself to significant financial vulnerabilities. Illnesses can be exorbitantly expensive. For instance, cancer treatments have reached costs in the millions, with illnesses like diabetes, heart attacks, and strokes trailing closely behind. It's a startling fact that more than 67% of bankruptcy filings in the U.S. are attributed to healthcare issues.

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Health Insurance Information

What kinds of health insurance are there?

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

Fee-for-Service

These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

Managed Care

More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

What is 'long-term care'?

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

  1. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

•Additional purchase options

Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.

•Coordination of benefits

The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.

•Cost of living adjustment (COLA)

The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.

•Residual or partial disability rider

This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.

•Return of premium

This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.

•Waiver of premium provision

This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

Disability / Long-Term Care Information

Disability and Long-Term Care Insurance

Beyond the immediate health concerns that health insurance covers, there are instances where you might not be sick, but still need assistance. This is where Disability and Long-Term Care Insurance come into play.

What is Disability Insurance?

Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from several causes, including injury, illness, or a chronic condition, making it impossible for you to work for an extended period.

Types of Disability Insurance

•Short-Term Disability (STD): These policies kick in soon after your disability begins, often within 14 days, and may last for up to two years.

•Long-Term Disability (LTD): These policies have a more extended waiting period but can last for several years or even up to retirement age, ensuring prolonged income security.

What is Long-Term Care Insurance?

Long-term care insurance is designed to cover the costs of services that help you with your everyday activities, which you might need due to aging, chronic illness, or disabilities. These can range from in-home assistance to care in a nursing home or assisted living facility.

Why consider Long-Term Care Insurance?

The reality is that as we age, the likelihood of needing assistance with daily activities, such as dressing, bathing, or eating, increases. While some think Medicare or regular health insurance will cover these costs, often, they won't. Long-term care insurance ensures you get the care you need without depleting your savings.

Key Features to Consider in Disability and Long-Term Care Insurance:

•Guaranteed Renewable: Ensures you can renew your policy without a change in benefits, but premiums might rise.

•Waiver of Premium: After being disabled for a certain period, you won't have to pay premiums while receiving benefits.

•Additional Purchase Options: Allows you to buy extra coverage in the future.

•Residual or Partial Disability Coverage: If you can work part-time while disabled, you can receive a portion of your benefit.

When deciding on health coverage, consider the broad spectrum of potential needs. While health insurance takes care of medical bills, disability and long-term care insurance ensure that you're looked after, even if you're not able to earn or need help with daily activities.

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Don’t shop premiums, shop quality service.

Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.

We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you. Maintain your peace of mind knowing that our insurance professionals have your back.

What people say about us.

A few comments from our beloved clients

"I would like to thank Dr. Cheryl D. George for getting me a great insurance plan. She was very courteous expedient and thorough. I really appreciate her for finding me a very reasonable rate. I couldn't be happier keep up the great work."

-Patrick Brown

"Dr. Cheryl D. George is an awesome colleague and an experienced agent and coach. Cheryl has many years of experience in the Life, Health, Property & Casualty Insurance industry as well as the Financial Industry as a whole! She is passionate about help people get the right coverage for their budget and showing people how to create their own legacy by proper planning!"

-Joseph Brown

"Thank you kindly, Dr. Cheryl D. George (The Insurance Queen) for going the extra mile and taking great care of my mom's insurance needs as well as mine. I am grateful that our paths crossed and I will spread the word about your first-class, exceptional service! YOU ARE AWESOME!! #ladyinsurance"

-Ona Brown

"I appreciate working with Ms. Cheryl because she is very knowledgeable about the various organizations and products within her industry. She is likewise professional, efficient, and graciously patient with her clients. To sum it up, Ms. Cheryl is a blessing and a joy to work with!"

-Reasheal L.

"Dr. Cheryl's LLC helped me find the most affordable plan that fit my health needs!! She was thorough and precise."

-Lakeshia A.

I loved working with Cheryl because they provided extensive details about our options, which empowered us to make informed decisions! We were shopping for a flexible and affordable plan that we could start right away and that’s exactly what we received!

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"She went above and beyond to help me out would always pick up when i called i would recommend her to anyone who needs insurance"

-Danny B.

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