Types of Insurance to Talk Over with Your Insurance Broker in Greenville, SC

Health Insurance for those under 65 years old:

ACA or Obamacare
  • Open Enrollment Period - Select the plan that is right from a selection of metal plans. Government subsidies may be available for qualified individuals.
  • Special Enrollment Period - available after a qualifying life event like getting married, moving to a new area or losing other health coverage.
  • Short-Term or Indemnity Health plans* - available without a qualifying event. Provides temporary coverage for unexpected illnesses and injuries. * Not considered MEC

Metal plans are plan tiers (Platinum, Gold, Silver and Bronze) for individual health insurance policies.

All metal plans are required to cover certain services. These are known as Essential Health Benefits or Minimum Essential Elements (MSE.)

It includes:
 
~ Ambulatory Patient Services ~ Prescription Drugs

~ Emergency Services ~ Rehab Services & Devices

~ Hospitalization ~ Preventive & Wellness

~ Maternity & Newborn Care ~ Laboratory Services

~ Pediatric Services, Oral and Vision ~ Mental Health & Substance Abuse
 

Call to hear about your Long Term Disability Insurance options.

Supplemental Insurance

 
With supplemental insurance, you would normally have a cash benefit paid directly to you. From there, you are able to use the money for:
 
  • Out-of-pocket expenses
  • Deductibles
 
  • To offset a loss of income
  • Even pay everyday living expenses
 

Below are the different types of supplemental insurance:
 
  • Accident Only Insurance Plan – cash benefit for injuries caused by an accident.
  • Critical Illness/Cancer Insurance – lump sum cash benefit for a first diagnosis of a specific cancer or major illness.
  • Hospital Confinement Insurance – cash benefits for hospital confinement related to an accident or illness.
  • Disability Plan – cash benefits when you are unable to work due to illness or injury.
  • Dental and Vision Insurance – allow you to manage your dental and vision needs
  • Long Term Care Insurance – Long -term care needs typically arise as part of the normal aging process, but can also be due to an injury, illness, or cognitive impairment such as Alzheimer's. Can be given at an assisted living facility, a nursing home or at home.
 
Woman Teaching the Senior to Use a Computer — Insurance Agent in Greenville, SC
 
 

Types of Insurance offered by Carl Evans

Health Insurance

  • 1. People over 65 years old – Medicare
  • 2. People under 65 years old:
    1. Affordable Care Act (ACA) through the Marketplace (HealthCare.gov).
    2. Health insurance NOT through the Marketplace. Straight to company.
  • Short Term Medical insurance

Life Insurance

  • Term Insurance (10, 15, 20 or 30 years). Most affordable!
  • Permanent Insurance
    1. Whole life
    2. Indexed Universal Life
      • Cash accumulation (Legacy builder) For children and grandchildren
      • Affordable Long Term Care.
  • Final Expense Insurance. Beware of the high costs of funerals!

Long Term Disability Insurance

1 out of 4 people will become disabled during their life for 3 to 4 months.

Supplemental Insurance

money paid to you to help pay benefits your health insurance doesn't provide such as out-of-pocket medical and daily expenses due to unexpected injury or serious illness.
  • Hospital admission – from injury or illness – daily payments
  • Short term disability (12-24 months) Monthly payments
  • Accident and Critical Illness – lump sum payment
  • Cancer
  • Heart Attack
  • Stroke
  • Home health care
  • Nursing Home insurance

Dental, Vision and Hearing Insurance

Call to hear about all your Dental and Vision Insurance options.