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HEALTH INSURANCE

Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.
 
 

Healthcare for Yourself and Your Family

In order to keep yourself and those you care about most healthy and happy, you will want to ensure that you have the proper Health Insurance plan that can cover your every need and keep you protected financially.

With the cost of healthcare on the rise, you cannot afford to take any chances. At HomeRun Financial and Insurance Services, we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer, or are either self-employed, unemployed, or a student.

Unfortunately, not everyone can afford a Health Insurance policy. We believe that each person deserves some sort of coverage in the event of illness or injury. Depending on your location and situation, there may be several options for keeping your children insured so they can receive the care they need, when they need it most for physician visits, dental and vision services, prescription coverage, and more. Options like Medicaid for low-income children and adults, or a State Children’s Health Insurance Program may be the right solution.
 
Group Health Insurance
 

Group Health Insurance

We know how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At HomeRun Financial and Insurance Services, we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable, but complements your business’s needs.

Group Health Insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS). The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at HomeRun Financial and Insurance Services who can help you find a solution that’s ideal and feasible for you and your employees.

 

Dental Coverage

With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.

Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan, or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, HomeRun Financial and Insurance Services has a solution that’s right for you. From routine cleanings and check ups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.

Vision Coverage

If you are like many Americans, you require either glasses or contact lenses to get you through the day. And whether you are an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.

We can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at HomeRun Financial and Insurance Services today to find out how Vision Coverage can benefit you, your family, and your employees.
 
 
 

Ensure a Comfortable Future

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from HomeRun Financial and Insurance Services can protect your family’s financial future by providing valuable coverage benefits.

At HomeRun Financial and Insurance Services, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With Disability Income Insurance, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.
 
Supplemental Insurance
 

Supplemental Insurance

There are many types of Supplemental Insurance, which is why it is important to talk with an insurance representative from HomeRun Financial & Insurance Services to discuss your options. A couple of examples include additional insurance for Medicare and Maternity.

Medicare Supplemental Insurance provides current individuals under Medicare with assistance for items not covered under Medicare Part A and Part B. This can include co-pays, deductibles, and co-insurance that can add up to large out-of-pocket expenses.

Maternity Supplemental Insurance helps to cover any medical expenses up to the delivery of the baby. This can include deductibles, co-payments, and more – so you are not stuck with unexpected expenses on top of your existing bills.

Since Supplemental Insurance is an addition to your Health Insurance policy, it is important to note that it does not act as a traditional Health Insurance policy.

Avoid gaps in your current Health plan with Supplemental Insurance from HomeRun Financial and Insurance Services.

Health Savings Account (HSA)

Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money into a savings account that they can use over time for medical expenses that are not covered under their high-deductible plan. With a standard HSA, you can do the following: Put money into your HSA (tax free), Watch your money grow (tax free), Take out money if needed for qualified medical expenses, including dental and vision (also tax free).
 

Medical Expense Insurance

In the event that you or any of your loved ones get injured or become ill, you will need a policy that prevents you from paying high out-of-pocket expenses for medical services. With the right coverage, you can achieve peace of mind knowing that you are appropriately protected.

We can offer Medical Expense Insurance to prevent you from feeling the burden of high-priced medical costs. We know that after a hospital visit or a procedure, the last thing you will want to experience is paying bills that you cannot afford.

Prescription Insurance

With today’s increasing costs of prescription drugs, you may find it difficult to pay for the expenses from your own pocket – especially if you depend on taking various medications for multiple symptoms.

With the right Prescription Insurance, you can remove much of the financial burden and make your medication more affordable. A typical plan can reduce the cost of your medications, decrease your co-pay expenses, cover any specialized medications, make your out-of-pocket expenses manageable.

Travel Health Insurance

An accident can happen at any time – even on vacation. And whether you’re oversees or across the country, the best way to ensure that you’re protected at all times is with a Travel Health Insurance plan that’s right for you. The last thing you’ll want to experience is being sick or injured in an unfamiliar place.

HomeRun Financial and Insurance Services offers additional Travel Health Insurance policies that keep you covered in the event of travel-related accidents or conditions.
 
 
 

Eliminate Gaps in Your Coverage

We realize that individual people require individual insurance needs based on their current situation. And as an insurance agency, we also know that an unexpected accident or illness can happen at any time. That’s why we want to help you with all of your short-term needs in the event that you require a temporary solution.

A Temporary, or Short-Term, Health Insurance plan from HomeRun Financial and Insurance Services can be purchased for a variety of reasons. It is a way to keep you protected from accidents or illnesses that occur when you are not insured under a standard Health Insurance policy. Short-Term coverage may be right for you if you have a gap in their Health Insurance as a result of switching jobs, are waiting to receive benefits from their current employer, have recently graduated and are looking for employment, or maintain a seasonal/temporary position.
 
If you have questions about our insurance options, CONTACT US today!