WELCOME TO INSURANCE BENEFIT SERVICES
Whether you are an individual looking for family health insurance, a business owner in california interested in small business health insurance or health insurance for yourself and your employees, a will-be traveler getting ready to set sail, or someone with a few pressing questions about health plans and coverages we welcome you to Insurance Benefit Services, Inc.
Let us use our broad experience and in-depth expertise in blending plans and products to find solutions that will fit your needs and budget.
Long Term Care Insurance (LTC)
Did you know that you don’t have to be elderly to require Long Term Care? True, the likelihood of needing LTC goes up as we get older, but anyone of any age or occupation may end up requiring an undetermined period of extended care unexpectedly. An example of this scenario is the late actor Christopher Reeves; who was paralyzed at age 42 after an equestrian accident and required 9 years of LTC. Another example of unexpected candidate for extended care is Michael Fox; who was diagnosed with Parkinson’s disease and became uninsurable when he was only 30 years old. The reality is that in addition to these 2 public figures there are a multitude of people requiring the extended care due to illness, age-related frailty or as result of being involved in a car, motorcycle or sports-related accident. Do not be caught with out insurance and bankrupting bills out of the pocket.
A conventional health plan does not cover the extended or personal care involved with Long Term Care!
Serves as a safeguard for health and prevents individuals from incurring extra expenses that can be financially devastating. Statistics show that a significant number of people declare bankruptcy as a result of medical bills, but it also noted that having health insurance does not make people immune to financial devastation when they become seriously ill. According to the National Coalition of Health Care, one person in the U.S. reaches financial disaster every 30 seconds as a consequence of serious health problems. The Wellness Care that comes with having health insurance helps to maintain good health as long as the insured takes advantage of the benefit. Studies show that even serious illnesses like cancer can be managed if detected in their early stages. Needless to say, those who do not have access to preventive care have a higher change of being sick and experiencing financial ruin because the cost of treating an illness is much higher that the cost of screening and preventing the condition.
Although health insurance can not guarantee avoiding financial difficulties related to health issues it can significantly reduce out-of-pocket expenses especially if the coverage was well planned with the help of a knowledgeable Insurance Broker.
Contact us today to learn more about plans that can help protect you and your family 1-800-828-9918