Individual Life & Health Insurance
Nothing is more important than the health & well being of you and your family. Many Americans are uninsured in this day and age while others are underinsured. Individual insurance is specifically tailored to those not covered by employer group plans or self-employed persons. Affordalble health, dental, life, & disability plans can be tailored to a client's personal need.
Individual Dental Insurance
Dental Insurance is available to individuals and families that are
not covered on group dental insurance. For people without dental
insurance, cost often stands in the way of getting the care they
need to maintain the health of their teeth and gums. Even for routine
preventive care, a trip to the dentist's office could mean a substantial
amount of money out of your pocket. Dental insurance is affordable and can be purchased for as low as $43 a month for full family coverage.
A copay plan has no annual maximum while coinsurance plans have annual maximum benefits of usually $1,000 per calendar year. Individual dental plans do have waiting periods for basic and major services so they are not designed for someone who intends on getting comprehensive dental work performed within 12 months of enrollment. A freedom-of-choice plan allows you to see any dentist you wish, however, you will save money by using a contracted provider.
You can obtain an instant quote or apply online with DentalSelect.
Individual Disability
Individual Disability Income Protection is a must for a business
owner and highly recommended for executives. If you are a business
owner, you should consider purchasing both group and individual policies,
if possible.
The cost of a plan provided by your
employer is usually less than you would pay for an individual disability
policy and often you can get coverage automatically without having
to qualify medically. If your employer does not provide disability
insurance, then you may want to consider an individual disability
policy. You may also need a personal disability insurance policy to supplement
your employer group plan. Be sure to check the group provisions carefully.
How long does the group disability insurance coverage last? How much
is the benefit? Does the disability insurance policy cover bonus
and commission income? Will the coverage continue if you leave that
employer?
.
Individual Health
Individual health insurance programs are designed for individuals
and families who cannot obtain health insurance through an employer.
A broad selection of health insurance plans
is available. Due to the continually rising cost of medical care, it has become
more important to provide health insurance for you and your families.
The Diamond Benefit Group 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. Less expensive plans may provide coverage in case of
a major accident or illness, while other plans may provide comprehensive
coverage for all your healthcare needs.
As an independent firm, we can provide insurance
plans from numerous health insurance companies such as Humana, Aetna, Golden
Rule (a United Healthcare company, Blue
Cross Blue Shield of Texas, & Celtic. With the health insurance
market changing frequently, we are always on the lookout for quality,
service-oriented insurance companies for our clients. You may obtain your free quote or apply online.
Get Instant Individual Health Insurance Quotes or Apply Online using the Individual Plan Carrier Comparison:
High Risk Insurance Pool
Health insurance risk pools are special programs created by state legislatures to provide a safety net for the "medically uninsurable" population at very expensive rates. These are people who have been denied health insurance coverage because of a pre-existing health condition. Currently there are 33 states that offer risk pools and each states program is different.
In Texas, as premiums are twice the rate charged in the standard market, as required by state law. The Texas Health Pool is a program primarily intended for Texans who are unable to obtain insurance from licensed private insurers because of their health condition. The Texas Health Pool coverage is similar to private insurance plans as benefits cover hospital stays, physician services, prescription drugs, & serious mental illness. For more information, visit the Texas Health Insurance Pool.
Individual Life
Life insurance can help you secure
your family's financial future by providing the funds they need to:
cover burial expenses, uninsured medical bills, pay off your mortgage
and other outstanding debts, and maintain a comfortable standard
of living. In addition to calculating how much life insurance you need, there are a variety of life insurance options depending on your needs.
Life products are continually changing and we can
provide you with the latest information and policies available as the kind of policy you choose depends on your needs.
Term Life Insurance is a low-cost way of providing the largest insurance protection for your premium dollar. Universal Life is a flexible-premium policy, that unlike traditional cash value life insurance, divides the pure insurance protection and the cash value accumulation into separate and distinct components. Whole Life provides permanent protection for
the whole of life - from the date of policy issue to the date of
the insured's death, provided that premiums are paid.
Individual Long-Term Care (LTC)
Long Term Care is the type of care received either at home or in
a facility, when someone needs assistance with activities of daily
living, such as bathing and dressing due to an accident, an illness
or advancing age.
Rising life expectancy means that the potential need for "long-term
care" grows with every passing year of your life. The likelihood
is that you or a member of your family will need long-term assistance
due to a prolonged illness, a disability, or general deterioration
of your health and ability to perform routine daily activities. Most
long term care expenses are not covered by Social Security or Medicare,
Medicare Supplement ("Medigap"), or private health insurance.
Medicaid pays for nearly half of all nursing home care, but you must
meet federal poverty guidelines and may have to "spend down" most
of your assets on health care.
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