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As you know, buying individual health insurance is a big, very personal decision. We want to give you the tools so that you are fully equipped to make the decision that best fits your lifestyle, your family, and your budget. And we want you to be able to apply for coverage in the manner in which you are most comfortable.
 Cost too much to cover your dependents on your employer's group plan?
Want to insure just your children?
In between jobs?
COBRA too expensive, or not available?
Business Owner looking for affordable coverage for your family?
No health insurance benefits provided by your employer?
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Rutledge provides benefits coverage strategies tailored to fit your business employee objectives. Our Producers and Account Managers will work with you to evaluate your current plan design and suggest options for:
Managed Health Care
Flexible Benefits
Health Insurance Options (at no cost to you the employer)
Pre-taxed Benefits
Executive Benefits
Supplemental Benefits
Life Insurance
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Medicare Supplements have protected seniors since the creation of Medicare benefits. Supplements or Medigap plans pick up overage costs that Medicare does not pay. These are annual deductibles for hospital and doctor expenses, coinsurance, skilled nursing, and other medical costs. Plans a-j offer a wide range of benefits to choose from.
Medicare Advantage plans are now available. These plans offer lower premiums but may cost you more out of pocket expense for medical services. Medicare recipients can opt for an Advantage plan that combines drug benefits with a supplement at a lower cost in exchange for higher out of pocket costs for hospitalization.
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Life Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.
Term Life - is the least expensive type of life insurance. The most common type of term life is level term insurance. 10, 20, and 30 year level term policies are the most common. Premiums are set for the number of years chosen. If the policy holder chooses to buy another term life policy at the end of the original term life policy rates are considerably higher due to age and probable health history.
Whole life insurance and Universal Life - is more costly (up to five times as much) than term life insurance. The extra premium builds a cash reserve that allows the policy to stay in force until the insured's death. In short, term life insurance is temporary and whole life insurance is permanent.
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With today’s uncertain economic times it is an excellent opportunity to look at alternative investment strategies. Annuities may give you a higher rate of return than traditonal cd’s and savings accounts.
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Just because you don't have health insurance right now doesn't mean you won't have health problems. You and your family are able to purchase short term medical coverage on an intermediate basis. Coverage for 1-6 or up to 12 months. The covered benefits include expenses for doctor services, surgery, out-patient, and in-hospital care. The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on expiration date listed in your coverage document.
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Renewable, individual health insurance for college students and graduate students of all ages.
No longer covered as a dependant under your parent's plan? Attending school outside an HMO or PPO region? Required to have coverage but choose not to participate in a college-sponsored plan? Finding a traditional individual medical or other current coverage to be too expensive?
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Individual plans are nearly always less expensive |
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Take advantage of your 63 day right to review. You have 63 days after being offered COBRA to accept it. You can elect to wait until the end of that 63 day period before declining the COBRA option. During this period you are still covered under your old plan. If a major medical expense comes up during this period you can elect to take your COBRA plan and your medical expenses will be covered under your old plan. You can elect to pay your premiums before the end of your 63 day review period and your coverage will be uninterrupted. Keep in mind however than a change in your health during this period may prevent you from qualifying for a less expensive individual plan. |
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If COBRA and an individual plan are about the same cost take the individual plan. COBRA generally only lasts 18 months so at some time you will have to make a switch. If you are relatively healthy it is better to make a switch on your own terms rather than waiting and letting a change in your health prevent you from obtaining inexpensive individual coverage. |
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