HEALTH Insurance

Good Decisions Today for a Healthy Tomorrow.

At JFA Insurance Brokerage & Associates, Inc., we strive to offer the best Health Insurance options possible – from individual and group plans to specialized packages that may include dental and vision coverage.

Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.

Our Health Insurance coverage options include

Individual & Family Health Insurance

Group Health Insurance

Long-Term Care Insurance

Dental Coverage

Vision Coverage

Disability Insurance

Temporary Health Insurance

Supplemental Insurance

Medical Expense Insurance

Child Health Insurance

Travel Health Insurance

Prescription Insurance

Why Health insurance?

health-insurance_JFA

When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.

While finding the right Health Insurance is not always an easy choice, representatives from JFA Insurance Brokerage & Associates, Inc. are committed to providing the knowledge and support you need to help you make the right decision for you, your family, or your business.

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As an employer in today’s business world, JFA Insurance Brokerage & Associates, Inc. knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that is healthy and insured with peace of mind.

At JFA Insurance Brokerage & Associates, Inc., we are proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that is not only affordable, but complements your business’s needs.

Which Plan is Right for your Business?

Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it is important to discuss your business’ Health Insurance needs with a specialist at JFA Insurance Brokerage & Associates, Inc. who can help you find a solution that is ideal and feasible for you and your employees.

With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.

Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan, or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, JFA Insurance Brokerage & Associates, Inc. has a solution that’s right for you. From routine cleanings and check ups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.

Our Dental Coverage options include:

  • Traditional Indemnity
  • Dental Health Maintenance Organization (DHMO)
  • Preferred Provider Organization (PPO)

While there are several types of Dental Coverage options, it’s important to discuss what’s right for you with a representative from JFA Insurance Brokerage & Associates, Inc.. We’ll help you find a plan that meets your requirements in terms of feasible co-pays, a quality dental network, overall plan price, and much more.

If you are like many Americans, you require either glasses or contact lenses to get you through the day. And whether you are an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.

At JFA Insurance Brokerage & Associates, Inc., we can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at JFA Insurance Brokerage & Associates, Inc. today to find out how Vision Coverage can benefit you, your family, and your employees.

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At JFA Insurance Brokerage & Associates, Inc., we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from JFA Insurance Brokerage & Associates, Inc. can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Hospice Care
  • Nursing Homes
  • Respite Care

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with JFA Insurance Brokerage & Associates, Inc. to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

When it comes to protecting your assets, one of the most important things you can insure is not a material object like your car or home – it is your ability to work and earn a living. At JFA Insurance Brokerage & Associates, Inc., we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.

With disability income Insurance from JFA Insurance Brokerage & Associates, Inc., you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at JFA Insurance Brokerage & Associates, Inc. will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.

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