Health Insurance.

Health insurance differs from other types of insurance in that you’re virtually certain to make claims on it – it doesn’t require an accident or injury to come into effect.

Health Insurance

Broadly speaking, there are two major types of health insurance: Managed Care and Fee-for-Service. Although they operate in different fashions, both can provide similar levels of comprehensive coverage. Managed Care – membership in an HMO, (Health Maintenance Organization) PPO, (Preferred Provider Organization) or POS (Point of Service) Plan – is the more common option today. Fee-for-Service plans are preferred by some patients because they offer them total freedom in selecting their health care providers.

No matter which form of health insurance you want, Brian P. Cook Insurance can help you weigh your options and put together the insurance package that meets your needs.

A note on long-term Care

Long-term care is increasingly important to many patients. This “blanket” term covers the additional routine medical and custodial services that become necessary as a person ages. It’s worth paying attention to long-term care when you select your insurance (even if you’re still young) because many insurers draw fine lines between what services are and are not covered. Dealing with day-to-day long-term care expenses can become extremely difficult without good insurance!

Dental Insurance

Dental coverage is often omitted from the health insurance provided to you by employers. This has lead to a thriving secondary market in limited insurance plans designed exclusively for dental care. Considering that regular visits to your dentist are not just likely but actually necessary, dental coverage is an extremely good value. Let Brian P. Cook find an affordable dental plan for your family today!

Life Insurance

Brian P. Cook Insurance is in an excellent position to guide you towards the correct life insurance policy for your individual situation. While people’s life insurance needs vary tremendously, the available policies break down into two broad groups:

  • Term life insurance. This is insurance that covers you for a fixed period of time (the term) and then disappears. It only pays a benefit if you die during the term. This can be an affordable proposition in certain situations – if you want coverage for the duration of a mortgage or until your children are grown, for instance.
  • Permanent life insurance. This policy remains in force as long as you continue to pay its premiums. Permanent life insurance is designed for long-term holding, and it actually accumulates value as long as you maintain the policy.

Disability Insurance

Disability insurance is a way to protect yourself from injuries that make it harder (or impossible) for you to work. Disability policies typically address two separate types of coverage – short-term and long-term. As you might expect, one is temporary and the other is permanent. When you ask Brian P. Cook Insurance about disability coverage, it’s important to consider the following options:

  • Protection: Disability policies can offer two different guarantees to ensure that you get the coverage you need. A “Non-cancellable” disability policy is one that you can continue to renew at the same cost and level of coverage as long as you pay the premiums. A “guaranteed renewable” policy is slightly different, in that the insurer can increase the premium you have to pay.
  • Additional Purchase: This is language that guarantees your right to add more coverage to your policy (that you pay for) at a later time.
  • Coordination of Benefits: In many cases, you will have multiple insurance policies paying you when you’re disabled. A Coordination of Benefits clause sets a guaranteed target amount for your total benefit, and pays out to ensure that you reach it.
  • Cost of Living Adjustment: A COLA ties your disability benefits to the Consumer Price Index, so that they rise along with inflation. Note that selecting a COLA will increase your premiums.
  • Partial / Residual Rider: This option allows you to collect a reduced benefit if you find yourself able to perform some work or work part-time following your injury.
  • Return of Premium: If you don’t make a claim on your disability insurance, your insurer will refund a portion of the premium you’ve paid them. The specific percentage returned and the amount of time without a claim must be specified in your disability policy.
  • Waiver of Premium: If your policy features this provision, you will not have to pay your insurance premiums once you’ve been disabled. Not that this provision typically doesn’t start until 90 days after your injury.

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