| Health Insurance |
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| IF MARYLAND BUSINESS, DETERMINE IF CURRENT PLAN IS APROPRIATE:ALL THEIR DOCTORS ARE IN THE PLAN ARE CUURENT DEDUCTIBLES APROPRIATE....SHOULD THEY BE CONSIDERING A HIGH DEDUCTIBLE PLAN TIED TO A HEALTH SAVINGS ACCOUNT,OR A HEALTH REIMBURSEMENT ACCOUNT THESE PLANS CAN RUN AS MUCH AS 40% LESS THAN TRADITIONAL PLANS..... HEALTH INSURANCE FOR MARYLAND RESIDENTS NOT ELIGIBLE FOR GROUP MEDICAL INSURANCE: IF NO COVERGE CURRENTLY, DETERMINE IF THEIR HEALTH WILL PERMIT SHOPPING FOR INDIVIDUAL COVERAGE....IF THEY ARE UNABLE TO GET COVERAGE DUE TO A HEALTH CONDITION THEN WE RECOMMEND COVERAGE THROUGH THE MARYLAND HEALTH INSURANCE PLAN , WHICH IS FOR MARYLAND RESIDENTS WHO HAVE BEEN TURNED DOWN OR HAVE SPECIFIC MEDICAL CONDITIONS......
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| Do your financial or retirement plans include protection against healthcare care expenses? |
| They should! If you are like most people, you have insured your health, your car, your life, and your home. You have probably worked hard to accumulate assets for your retirement years. But what if you needed long term care? Long-term care is a risk that can impact or even derail all of your carefully thought out plans. Start planning now.
This Web site is a resource that can help you take your first step toward protecting your future! You will not only receive a thorough education about issues relating to long term care, but some specifics about health insurance as well. Simply click on any of the sections listed. This will take you to its explanation and in most cases, subsections across the top for further explanations.
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- Preserve your independence
- Guarantee your choice of care and caregivers (allow you to stay at home as long as possible)
- Protect your assets and standard of living
- To avoid being a burden to your family
- To leave more assets to your family, church, alma mater, or other worthy cause
- Peace of mind
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| Mission |
Our mission is to educate and protect Americans from the devastating costs of long term care. Families do not realize how important health insurance is until they are uninsurable or actually need long term care. We don't want that to happen to you!
We specialize in health insurance and offer the most affordable and comprehensive plans in the market place for individuals, associations, or employer groups. We can assist you in designing the proper plan for you and your family. |
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Long-term care is the personal care and other related services provided on an extended basis to people who need help with activities of daily living or who need supervision due to a severe cognitive impairment. This type of care is considered skilled care, non-skilled care, or custodial care. It is NOT acute or rehabilitative care, which is known as skilled care.
When you need long term care you usually need help with your activities of daily living. These are items such as bathing, dressing, toileting, continence, eating, and transferring. Or, you may be able to do all of your activities of daily living but still need care and supervision due to a severe cognitive impairment (memory loss, dementia, etc.). You may be able to dress yourself, but you may not remember to take your medications.
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