Individual and Family Health Plans

Individual plans may offer a combination of plans:
• First Dollar HMOs, High Benefit PPOs, Low Deductible
Health plans designed to offer a value for consumers.

• High Deductible health plans with Tax Savings Accounts and
Tax Retirement Accounts tied directly to health plans.

• High Deductible plans with office co-pays to minimize
health care costs.

• Combination of the above plans for each family member

Savings on the plans can range from 40-60% from comparative group health plans.

Individual Disability Plans

InsuranceCheckRate.com will provide individual Disability that is available on both a Short Term and Long Term basis to cover and protect income and financial assets of one’s family.

Short Term Disability or Income Replacement plans will typically replace a certain dollar amount of coverage of a certain number of weeks. For example, an income replacement program will provide $1500 per month for 24 weeks or 6 months for an accident or illness that will not permit the policy holder to work. Pricing is determined greatly upon the occupation, age and length of time the benefit is required.

Long Term Disability is also available as Income Replacement will replace a certain dollar amount of coverage for a specific number of years. For example, a specific dollar amount of $2000 per month is required and until the policy holder reaches an age of 65 or older. This plan will have Residual or Part-Time benefits to pay a benefit of a person who is able to work half time or 20 hours per week and the disability plan would pay the other 20 hours per week as an incentive to initiate the policy holder to return to work. Riders such as Cost of Living Adjustment, Seat Belt Benefit and a Survivor Benefit can be included. Pricing on this program varies based on occupation, age and health status.

Medicare Supplemental

The complex Medicare system requires a counselor to assist with expert advice on solution for your needs and InsuranceCheckRate.com will guide you in this process.

Questions arise that need solutions:

What Supplementals offer the best value?
What Plan fits me or my spouse?
What insurance companies are financially stable?
What is Medigap insurance?

These questions create scenarios that are best answered by one
of our experienced counselors.

We work with such carriers as the following:

Kaiser Permanente
AARP
Mutual of Omaha
StateFarm

Dental Insurance

Individual Dental Insurance can be creatively catered to meet the need of each person in one’s family by InsuranceCheckRate.com. Thus, one family member may usea DHMO, another an PPO and yet another the Fee for Service plan.The real benefit of dental plans is that a quality plan will improve wellness and reducethe overall general health of individuals by reducing serious illnesses such as diabetics, overweight and improved well being and physical appearance of a person.

Fee for Service Indemnity Plans:

These plan are what historically used by insurance companies with dentists to pay for dental claims. Insurance companies pay a pre established fee called a Usual and Customary fee to the subscriber and the dentists accept payment from the insurance company. If an Dentist charges a high fee than is paid for by the insurance contract, this overage or balance bill is then charged to the subscriber. The subscriber receives a Pre negotiated percentage paid for services, for example 80% for Basic Services.

Dental Health Maintenance Plans (DHMO)

These plans pay a specific co-payment or fee for the service provided. The co-payment is pre negotiated between the insurance company and dentist. As the dentist provides services, the co-payments are accumulated to create a total charge when the total service is complete. Usually a select panel of dentists is used, this panel is much smaller than the Fee for Service dentists that are available and due to this, the DHMO is usually much better priced for the subscriber.

Dental Preferred Provider Organization

These plans operate with a pre established Usual and Customary fee that there is no balance bill passed on to subscriber since the dentists join a PPO panel in order to receive referrals from both the employer and insurance companies. There is significant cost savings to the subscriber since typically a Fee For Service dentist is utilized. Dental service pre negotiated percentages paid for services enhance the benefits for individuals and families.

Pricing of these dental plans is very competitive.
One may visit Delta Plan Dental to obtain specific pricing and plan options.

Individual Life Insurance

Individual Life Insurance is available on an individual basis that can be creatively catered to meet specific needs and budgets by InsuranceCheckRates.com Here are a few examples:

Family Coverage: The primary wage earner will need a minimum $500,000 of whole life coverage, the spouse $250,000 of coverage and $10,000 on each of the children. The primary wager earner also requires an income replace plan in case of disability of $2500 per month. In case of disability, a waiver of premium is selected to waive premium to maintain coverage.

Individual Coverage: The sole primary wage earner requests that his/her home is paid in case of a sudden death and excess proceeds go to his/her niece in a near by state. This person selects $325,000 of coverage and a waiver of premium in case of an accident that prevents premium payement.

Key-Person Coverage: Pays the surviving partner of a company the death benefit in the case of a principal dying and the need to replace income or replace the skill set a partner that dies. Coverage amount can vary but typically the range begins at $500,000.

Individual Voluntary Plans:

InsuranceCheckRate.com will provide individual Guaranteed Renewable Voluntary plans that provide protection for specific illnesses or accidents that can affect an individual and families.

Consider the facts in the U.S.:

       Average 2200 Disability Injuries occur every hour during the year
       Every two seconds, someone suffers an Accident
       Men have 50% chance and women 33% chance of developing cancer

Short Term Disability plan will offer monthly benefits from $500 to$3,000 for a benefit duration of 3, 6, 12 or 24 month with elimination periods for accident or illness for 0/7 days to 180/1380 days. Total Disability is defined as continued inability to perform the material and substantial duties of your full time job that affect Activities of Daily Living such as Continence, Transferring, Dressing, Toileting and Eating.

Personal Recovery Plan will pay specific dollar amounts for specific illnesses that occur for items such as:

Health Attack
Coma
End Stage Renal
Stroke
Paralysis
Major Human Donor Transplant
Third Degree Burns
Coronary Artery Bypass Surgery

The plan pays specific dollar amount for First Occurrence, Reoccurrence, Hospital Confinement, Continuing of Care, Ambulance, Transportation, Lodging of friends and family.

Cancer plan also pay a specific dollar amount for the following:

First Occurrence Experimental Treatment Anti Nausea Benefit Nursing Services Surgical Anesthesia Benefit Skin Cancer Prosthesis Benefit Ambulance In and Out Patient Blood and Plasma Transportation Bone Marrow Transplantation Cancer Screening Stem Cell Transplantation Hospice Home Health Bone Marrow Radiation and Chemotherapy Benefit


Accident Plan pays a continuing series of benefit for accidents that may occur both on and off of the job. Benefits include Emergency room visit, Hospital Confinement, Intensive Care Confinement, Physical therapy, Ambulance, Prosthesis ,Appliance, Transportation, Blood and Plasma and Family Lodging. Specific co-payments will pay for the following:

Burns
Fractures
Dislocations
Internal Injuries
Skin Grafts
Eye Injuries
Ruptured Discs
Lacerations
Broken Teeth
Torn Rotator Cuff
Concussions
Exploratory Surgery
Paralyses
Comas
Tendons and Ligaments
Partial Amputation
Torn Knee Cartilages

Insurance Carriers include the following:

AFLAC
UNUM
The Standard
Colonial
Allstate
StateFarm
Guardian
Anthem
Reliance Standard
Assurant
Blue Cross
United Health Care

Dental Plans: Plans available include an Indemnity, Preferred Provider Organization PPO plan or a Pre-Paid Dental plan. Benefits fit the desired benefit schedule requested or budget. The website www.deltaplandental.com is a good site to consider these options. These plans are available individual basis.