Regular oral care can help prevent diseases and affect overall quality of life. People with dental insurance are much more likely to visit their dentist on a routine basis and receive consistent care. Our agent at Thomas F Russo Agency in Fort Meyers, Florida, can help you choose an individual dental plan so you can get the ongoing care you need.

Oral health and individual dental plan needs vary according to age. For example, people in the 20 to 39 age group have fewer dental problems, while people ages 40 to 59 are more likely to need restorative procedures, such as root canals and crowns. In evaluating a dental plan, it is wise to consider:

• How many dentists are in the network? Dentists who participate in networks accept lower fees.
• Does the plan encourage preventative care? Preventative care reduces long-term dental costs and impacts overall healthcare costs.
• How quickly are calls answered, claims paid, and problems resolved? You want to have confidence in the quality of service your plan provides.
• Does the plan offer enhanced benefits for people with medical conditions? Many carriers offer enhanced benefits for little or no additional cost to people with health conditions such as diabetes, cardiac disease, and pregnancy.

Individual dental insurance premiums vary widely depending on the type of plan you choose – HMO (with a more restrictive network), PPO (you can use a non-network dentist but pay more out of pocket), or indemnity (you choose your dentist, pay upfront, submit a claim, and wait for reimbursement). A Thomas F Russo Agency agent can help you find a plan that fits your budget and provides the best benefits for you and your family.

Critical illness insurance protects you against the risk of exceeding the coverage of your health insurance plan. Health insurance covers the cost of treatment up to a specific limit. If you or your family member suffers a serious or catastrophic injury or illness, your health insurance plan may not cover the full cost. This insurance can save you from financial ruin, covering the cost of medical care for several health conditions that can exceed coverage from ACA health insurance, including:

• Strokes.
• Heart attacks.
• Cancer treatments.
• Coronary bypass surgeries.
• Organ transplant surgeries.

The benefits of critical illness insurance include paying for costs that are not covered by traditional health insurance. It can pay for other illness-related costs, such as childcare, transportation, or other financial needs. The insurance typically pays out a lump sum based on the specific policy.

Each critical illness insurance policy provides specific coverage. It is necessary to fully understand the fine print when purchasing this type of insurance, as only specifically named illnesses are covered. If you have a high-deductible health insurance plan, this type of insurance can pay for a range of out-of-pocket costs, including:

• Medical services that are not covered by your health insurance plan.
• Treatments your health insurance doesn’t cover.
• The costs associated with daily living while recovering from an illness.
• The costs associated with refitting the home environment, such as wheelchair access, elevator, or another refit.

Every critical illness insurance plan has specific coverage. It’s important that you choose the plan that best suits your budget and that you fully understand what is covered and what isn’t. Our local agent can advise you about the policy that makes the most sense for your situation.

Cancer insurance is a special type of policy that provides an extra layer of protection to your health coverage. If you are diagnosed with cancer, your health insurance may not provide you with the extent of financial support you need. These policies pay for various out-of-pocket costs, including:

• Health insurance copays.
• Deductibles.
• Transportation for medical treatments.
• Groceries.
• Rent or mortgage payments.

Cancer is not rare. About 39.5% of people are diagnosed with cancer at some point in their lifetime. Cancer insurance can be a lifesaver if you are diagnosed. The costs incurred during the treatment phase can add up quickly. You may need help with child care or other household expenses during your course of treatment and care, and this insurance can be of great assistance.

Some insurance companies offer critical illness insurance, which covers a range of illnesses, such as heart attack, stroke, or other qualifying illnesses. Cancer and critical illness insurance are generally very affordable for younger people, with premiums increasing as you age, but are generally still reasonable in cost.

Every policy is different. Some have lump-sum payouts, while others pay for the medical expenses you incur due to cancer up to a specific limit. If you are considering cancer insurance, contact our insurance agent to evaluate and explain the current options on the market and help you choose the policy that will make the most sense for you and your family.

Disability Income (DI) insurance is a crucial financial safeguard that provides income to individuals who are unable to work due to a disability. Whether caused by an accident or illness, losing the ability to earn a regular paycheck can create significant financial strain. DI insurance ensures you have financial support when you need it most.

Available through employers, Social Security, or private insurance providers, disability income insurance comes in two main types: short-term disability and long-term disability coverage. Premium costs depend on various factors, including age, occupation, and policy details. Benefits are paid out monthly, helping individuals maintain financial stability during challenging times.

Investing in DI insurance is a smart way to secure your future and safeguard against unexpected setbacks. Explore your options today and ensure peace of mind for you and your loved ones!

• Financial Protection: Disability income insurance provides financial support to individuals unable to work due to accident, injury, or illness.

• Multiple Sources: DI insurance is available through employers, the Social Security Administration (SSA), or private insurance providers.

• Coverage Options: Policies offer short-term disability and long-term disability benefits to suit various needs.

• Premium Factors: Costs depend on age, occupation, and coverage details.

• Monthly Payouts: Benefits are typically distributed every month, following the waiting period.

Disability income insurance does not replace 100% of your earnings. Instead, it covers 45% to 65% of your gross income, ensuring financial stability while you recover. Most employers provide DI insurance as part of a group insurance coverage plan, while additional benefits are accessible through SSA programs. Individuals can also purchase supplemental DI insurance for added security or if they lack coverage altogether.

Secure your financial future with disability income insurance—a safety net when life takes unexpected turns!