For individuals and families looking to customize their coverage to their lifestyles and family histories, or to fill in the gaps in their major medical plans, we offer a wide range of quality supplemental insurances.
Pay yourself first with any of a broad range of policies for:
- Accident
- Dental
- Vision
- Specified Disease (Cancer, Heart Attacks, Strokes, Major Organ Failure)
- Short Term Disability (payroll only)
- Hospitalization (including coverage for childbirth!)
- Sickness
- Intensive Care
These supplemental policies plus life insurance for yourself, your spouse, dependents, and grandchildren, may be available on payroll deduction as well as directly billed to you. If your employer does not offer them on payroll deduction, please ask them to, then contact us!
Supplemental insurance is NOT a substitute for major medical insurance. However, as the costs for major medical and even limited benefit insurances climb, supplemental insurance can be an economical way to customize your overall coverage to address your specific lifestyle, risks, and concerns. This is especially true if you have individual health insurance.
If you have group insurance through your employer, ask yourself:
- Are my company benefits improving or worsening?
- What is the likelihood I will still be working here in 3 years?
- If I have to change employers, what is the likelihood that my benefits will improve?
- If I have to change employers, what is the likelihood that I will have any benefits?
- Would I even qualify for individual insurance if I had to apply for it, or would I be limited to choosing from among the State’s High Risk Pool plans (in addition to contacting us, see http://www.doi.idaho.gov/Health/healthinfo.aspx for information on these and other health insurance resources from the Idaho Department of Insurance)?
If any of these questions caused you to wonder, then contact us!
If you have individual insurance for yourself and/or family members, ask yourself:
- Have my premiums increased more than I can stand?
- Is there a way to decrease my premiums without raising intolerable risk?
- Could I use insurance that doesn’t raise my premiums for having more than one child?
If any of these questions caused you to wonder, then contact us!
Supplemental insurance is NOT the same as secondary insurance. Secondary insurance involves coordination of benefits, whereas supplemental insurance does NOT involve coordination of benefits.
Supplemental insurance is NOT discount plans. Please read the Idaho Department of Insurance’s consumer alert: consumer alert: Discount and Unauthorized Health Plans.
Do you have or are you considering a Health Savings Account? Your qualifying High Deductible Health Plan, which is necessary for your HSA, leaves you paying many expenses out of pocket. However, the following types of insurances are also generally allowable for people utilizing HSA:
- Accident
- Dental
- Disability
- Hospitalization coverage based on fixed amounts per day or other period
- Long-term care
- Specified disease or illness
- Vision
More information for business owners.
Contact us to see where these types of plans could work well with your situation. For more information about Health Savings Accounts and Other Tax-Favored Health Plans, go to http://www.irs.gov/publications/p969/index.html, or go to the IRS and look up Publication 969.
By now, you have been thinking about what you were going to do for yourself and your family when it comes to supplemental insurance. In today’s world, it is imperative that you make sure that you have supplemental coverage that you can trust. It’s simple, give us a call so we can personally go over the options that you have. You will be amazed at the options with Idaho Falls Supplemental Insurance; it’s that easy.
If you would like to see how Idaho Falls Supplemental Insurance can benefit you please give us a call!
