Health Insurance
Health Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Health Insurance Information
Representatives from Basic Financial Solutions, Inc. specialize
in health insurance products selected with the farm and ranch
family in mind. You can rest assured that only the highest
quality products underwritten and issued by nationally recognized
and financially strong insurance companies are offered by our
representatives.
- Long Term Care Insurance
- Medicare Supplement Insurance
- Major Medical Insurance
- Accident Insurance
- Disability Insurance
- Cancer Insurance
What is Long Term Care Insurance?
 |
There's alot of choices when selecting your long term care insurance. Today's long term care insurance policy offers benefits whether you are living in a skilled nursing home, custodial care facility, assisted living facility, or even in your own home. Benefits can start from the moment you enter the nursing home and continue for your lifetime, but the premium will be very expensive. By delaying the start of benefit and shortening the benefit period will save money. How much in coverage is enough for nursing homes in your area? You'll find representatives with Basic Financial Solutions are informed and experienced in long term care insurance which will make you feel comfortable and informed as you make these decisions.
But remember to start early when deciding about long term care insurance. It's recommended that individuals begin looking and apply for long term care insurance between the ages of 45 and 60. Rates go up as you get older and the adverse health conditions that come with older age can make it difficult to qualify for this coverage.
For those individuals who don't like the idea of paying premiums for long term care insurance coverage they feel they may never use, there are very good options available. These options include Return of Premium Riders as well as life insurance with LTC riders. These policies will pay benefits for long term care but if you don't ever use the long term care benefits, then a death benefit will be paid to your beneficiaries. Either way, you are guaranteed to receive benefits.
Representatives with Basic Financial Solutions, Inc. specialize in long term care insurance for farmers and ranchers. Click here for more information about the LTC Partnership Program and how it impacts farmers and ranchers.
To request a quote for long term care insurance, click here. To talk about long term care insurance with your local Basic Financial Solutions Representative, click here.
Return To Home Page |
What is Medicare Supplement Insurance?
|
Medicare supplement insurance is designed to pay for expenses not paid by Medicare. A number of different plans can be offered to you by insurance companies but all plans are standardized. That means once you've chosen the plan you like that plan will be exacty the same regardless of the company or premium you pay. (For example: Medicare Supplement Plan F issued by Company X will offer the same benefits as Plan F issued by Company Y.)
There are limitations to Medicare Supplements and the benefits they pay. We know you don't like surprises so call us soon for a review of your current plan. Because we work with several Medicare Supplement companies, we'll be happy to compare rates and if possible, save you money. Don't forget to ask how Medicare and Medicare Supplements limit payments for long term care expenses.
If you'd like a quote on a Medicare Supplement, click here.
To talk with your local Basic Financial Solutions Representative, click here.
Return To Home Page |
What is Major Medical Insurance?
|
Major Medical insurance provides protections from catastrophic costs associated with illness and/or hospitalization. Most major medical policies require the insured pay the first out-of-pocket expenses (also called deductible) and then share in the medical costs (call co-insurance) until a certain amount of money has been spent by the insured (also called stop-loss amount). Basic Financial Solutions, Inc. knows how important it is for farm families to have major medical insurance and also how important it is to make the coverage as affordable as possible.
Click here for a quote on major medical insurance.
Return To Home Page |
What is Accident Insurance?
|
Accidents can happen! Accident insurance is an excellent way to supplement major medical insurance. Normally accident insurance pays for gaps in coverage not covered by major medical insurance. It can also pay for the deductibles and co-insurance.
In addition to paying medical costs, accident insurance normally includes benefits for accidental death and dismemberment. Premiums are low, affordable and available for the entire family.
Contact us to talk with your local BFS representative! companies.
Return To Home Page |
What is Disability Insurance?
|
A farmer's ability to work is one of his greatest assets. What happens when an accident causes a disability and the farmer can no longer work? Disability insurance can replace income lost due to a disability caused by accidents and/or sickness.
Click here to talk about disability income with your local BFS representative! companies.
Return To Home Page |
What is Cancer Insurance?
|
The American Cancer Society says that individual major medical insurance, Medicare and medicare supplements pay only 34% of all expenses associated with the treatment of cancer. That's because alot of expenses are not medical related. Rather, an individual treating cancer will suffer from loss of income, increased cost of child care, additional travel expenses and at home care.
With the first diagnosis of cancer, a Cancer Insurance policy from Basic Financial Solutions, Inc. will pay a lump sum benefit to the insured ranging from $10,000 to $50,000 (depending upon the diagnosis).
Premiums for supplemental cancer insurance is affordable and available on an individual and family basis.
Contact us to talk with your local BFS representative!
Return To Home Page |
|