RELAX…YOUR BASES ARE COVERED
Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.
INDIVIDUAL & FAMILY
We know how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.
At HomeRun Financial and Insurance Services, we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable, but complements your business’s needs.
Group Health Insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS). The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.
Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at HomeRun Financial and Insurance Services who can help you find a solution that’s ideal and feasible for you and your employees.
With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.
Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan, or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, HomeRun Financial and Insurance Services has a solution that’s right for you. From routine cleanings and check ups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.
If you are like many Americans, you require either glasses or contact lenses to get you through the day. And whether you are an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.
We can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at HomeRun Financial and Insurance Services today to find out how Vision Coverage can benefit you, your family, and your employees.
There are many types of Supplemental Insurance, which is why it is important to talk with an insurance representative from HomeRun Financial & Insurance Services to discuss your options. A couple of examples include additional insurance for Medicare and Maternity.
Medicare Supplemental Insurance provides current individuals under Medicare with assistance for items not covered under Medicare Part A and Part B. This can include co-pays, deductibles, and co-insurance that can add up to large out-of-pocket expenses.
Maternity Supplemental Insurance helps to cover any medical expenses up to the delivery of the baby. This can include deductibles, co-payments, and more – so you are not stuck with unexpected expenses on top of your existing bills.
Since Supplemental Insurance is an addition to your Health Insurance policy, it is important to note that it does not act as a traditional Health Insurance policy.
Avoid gaps in your current Health plan with Supplemental Insurance from HomeRun Financial and Insurance Services.
Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money into a savings account that they can use over time for medical expenses that are not covered under their high-deductible plan. With a standard HSA, you can do the following: Put money into your HSA (tax free), Watch your money grow (tax free), Take out money if needed for qualified medical expenses, including dental and vision (also tax free).
In the event that you or any of your loved ones get injured or become ill, you will need a policy that prevents you from paying high out-of-pocket expenses for medical services. With the right coverage, you can achieve peace of mind knowing that you are appropriately protected.
We can offer Medical Expense Insurance to prevent you from feeling the burden of high-priced medical costs. We know that after a hospital visit or a procedure, the last thing you will want to experience is paying bills that you cannot afford.
With today’s increasing costs of prescription drugs, you may find it difficult to pay for the expenses from your own pocket – especially if you depend on taking various medications for multiple symptoms.
With the right Prescription Insurance, you can remove much of the financial burden and make your medication more affordable. A typical plan can reduce the cost of your medications, decrease your co-pay expenses, cover any specialized medications, make your out-of-pocket expenses manageable.
An accident can happen at any time – even on vacation. And whether you’re oversees or across the country, the best way to ensure that you’re protected at all times is with a Travel Health Insurance plan that’s right for you. The last thing you’ll want to experience is being sick or injured in an unfamiliar place.
HomeRun Financial and Insurance Services offers additional Travel Health Insurance policies that keep you covered in the event of travel-related accidents or conditions.