Tennessee Health Insurance
Health & Money
When you think about the dangers of not having health insurance, you likely think of what may happen in the event of a serious accident or if surgery is needed. Maybe another way to think about this is, what if anything medically related happens?
Just going to see the doctor for a cold will likely cost you hundreds of dollars. What if you trip just walking across your livingroom floor and break your arm? Now you are talking thousands of dollars.
If you are a family, each of you carries the risk of these types of illnesses or injuries. Before you know it, you could be thousands and thousands of dollars in debt. Health insurance may be the most important type of insurance you can carry. You really cannot afford not to have it!
Consider these facts about health and money:
- If you’re one of the nearly 46 million people living in the United States without health insurance, unexpected medical bills can have a devastating impact on your life. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.
- You need health insurance because you cannot predict what your medical bills will be. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.
Individual Health Insurance Plans
Until the state of the economy changed, most people received health insurance through their employer. Some employers have now had to stop providing health insurance for the sake of preserving jobs. Now, more and more people are purchasing private health insurance plans that are tailor-made to meet their needs. If you are one of these people, you should be seeking an individual health insurance plan from King & Associates Insurance, LLC now.
Why choose King & Associates Insurance, LLC? Because we are an independent agency offering real time health insurance quotes and online applications from multiple health insurance companies. We believe in total transparency. Compare options and then apply online from the convenience of your own home or office. The pros at King & Associates Insurance, LLC will help you choose from:
- HMO plans: An HMO, Health Maintenance Organization, is a specific type of health care plan that sets out guidelines under which doctors can operate. On average, health care coverage through the use of an HMOcosts less than comparable traditional health insurance.
- Major Medical: Provides benefits for most types of medical expenses that may be incurred. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses – including those incurred both in and out of the hospital – with generally higher individual benefits and policy maximum limits.
- Surgical policies: Most health insurance plans sold today are major medical plans but there are a few hospital and surgical health insurance plans on the market. Surgical health plans often aren't as comprehensive as major medical plans, but are typically less expensive.
- Dread Disease Policies: Often called “cancer policies,” dread disease policies cover one or more dread disease: cancer, heart disease, or other major malady.
- Hospital indemnity: A hospital indemnity plan provides a daily benefit for each day you are hospitalized -- and this is paid without regard to the hospital expenses incurred. This daily amount is paid to you and the benefit is triggered simply by confinement as an inpatient.
King & Associates Insurance, LLC
Since 1997, King & Associates Insurance, LLC has been a leading Tennessee-based insurance advisor for individuals, families, and small businesses. We know insurance can seem tricky so we try to take the mystery of it for you. We care about you! So what are you waiting for? You owe it to your health to complete the free, no-obligation form at the top of this page today.