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Individual Health & Vision
Plans |
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Visit Anthem's website to get your immediate
quote online... |
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For Medical Quotes contact
Kelly Rector directly at 636-887-4700 or
kelly@dtdinsurance.com
Visit Cigna's website to get your
immediate Dental quote online… . |
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Visit Coventry One's website to get your
immediate quote online... |
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Visit United Health One's
website
to get your immediate quote online... |
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Health Insurance - Plans
for any age |
Medical
We offer
health insurance for individuals and families. We offer very rich plans that
include doctor's office co-pays, prescription drug cards, and preventive
services. We also have plans to help save on premiums that include Health
Savings Accounts (HSA) high deductible plans.
Short Term Major Medical
These plans are
designed to offer major hospitalization for a period of time from 30 days up to
180 days. This plan is good for people between jobs or out of work, if you are
waiting for other coverage to begin, if you just finished school, if you are a
student or no longer eligible under your parents plan, or if you have retired
early. These plans generally offer a $1,000 to $10,000 deductible and are very
reasonably priced since the benefits are limited to major medical. Please Note:
These plans are not ACA Compliant and could be subject to fines due to the
length of time on the plan.
Medicare
Supplements
If you are on Medicare parts A & B, we offer
Supplemental plans that help pay for some of the costs that Medicare doesn't
cover. We also offer Medicare Part D, Prescription coverage as well as Medicare
Advantage plans. |
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Life Insurance - Term Life,
Whole Life, & Universal Life for adults and children. |
Term Life
Term Life
is the most inexpensive of all life insurance options. Term Life will pay a
pre-determined benefit upon your death. Neither the premium nor the face amount
will ever change within your term; 10, 15, 20, 25, and 30 year terms available.
If you have recently purchased a new policy or if you have had a policy for a
while you still may be paying too much. If you have recently married, had a
baby, moved into a new home, started a new job, or lost your job and the
coverage you had through your employer, now is the time to re-evaluate your
life insurance.
Whole Life & Universal
Life
Whole Life is the most expensive because it has the
most guarantees. The death benefit does not change and the premium is
guaranteed, usually through age 100. Universal Life is like a term policy with
an interest rate paid on the excess cash value. It builds cash value, but may
require additional premium after a certain time to keep the policy in force.
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Dental Insurance - PPO
& DHMO Products |
DHMO Plans
DHMO plans
are less expensive than traditional PPO plans. There are no waiting periods or
pre-existing limitations. There are no deductibles or calendar year maximums.
Each service is based off of a fee schedule. Cleanings are generally covered at
100%. These plans have a limited number of providers from which to choose.
PPO Type Plans
PPO plans
are more expensive than DHMO plans, however they have an expanded network and
will still allow you to see whichever dentist you choose. There are usually
deductibles and annual maximums with these plans. Some plans have waiting
periods but others waive waiting periods and even include
orthodontics. |
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