Health & Dental Insurance
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Health Insurance has been a challenge, and there are plenty of gaps in the plans available through the ACA (Affordable Care Act) to fill. High premiums, high deductibles and narrow networks leave many people without adequate coverage. Many either don’t know or find out the hard way coverage through an ACA policy doesn’t necessarily extend coverage out of state or out of the country.
St. Joseph Agency offers coverage to supplement that, including inexpensive accident riders and options added to your existing coverage if you are an inpatient for accident or illness.
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Medicare Supplement
Medicare Supplement, high deductible plans and Advantage plans are cost-effective and competitive. We help with Part D prescription coverage as well.
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Dental & Vision InsuranceThe insurance policy covers optical and dental services for the policyholder. You get reduced costs on some dental and optical services. This can also provide you with financial security in the event of an accident involving your teeth. This form of insurance may be provided by an employer and is not required by law but can benefit your family and loved ones.
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Accident
Accident plans help to offset out of pocket medical expenses experienced in an accidental injury. This may include expenses such as ER visits, medical transportation and hospital stays.
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Indemnity
Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges....either with individual procedure limits...or as a lump sum. Indemnity plans are also referred to as "fee-for-service" plans.
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Short Term Health InsuranceShort Term Health Insurance can help you bridge the gap in health insurance between jobs or as you approach retirement, or as a young adult exiting your parent’s plan. We offer several short-term plans of insurance that can be written for several months. For healthier clientele, these plans offer the best coverage value for the dollar. And in today's ACA world, a reasonable alternative to 'government' sponsored plans.
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