Health insurance has become one of the most talked about items in insurance since the enactment of the Patient Protection and Affordable Care Act, commonly known as Obamacare. With all the discussion, there are four basic types of insurance designed to help shelter you from the devastating costs involved in health care.
Employer Group Health Insurance. As the name implies, this benefit is offered to those employed by a company who offers such benefits. There are many components, from health & dental coverage, to disability and even life insurance.
Individual Health and Dental. This is coverage for those who are often times self employed and have no employees. A farmer would be a good example.
Long Term Disability and Long Term Care. Long Term Disability protects your future income and the Long Term Care (nursing home insurance) protects your assets into retirement.
Medicare supplement and Prescription Drug Programs. These help with medical and drug costs as you ease into your retirement years.
At Kerndt Brothers agency, we have access to top companies and people who specialize in these categories.
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