(ACA Under 65, Medicare Supplements, Medicare Part C & D)


Health Insurance
Health insurance provides protection against the financial loss incurred by illness, accidents, injury and disability.  There are three categories of health insurance: medical expense insurance, disability insurance and Accidental Death and Dismemberment
Medical Expense Insurance provides financial protection against the cost of medical care by reimbursing the insured, fully or in part, for these costs.  It includes many kinds of plans that cover hospital care, surgical expenses, physician expenses, medical treatment programs, outpatient care, and the like.  Medicare supplements insurance and long term care insurance, two types of health insurance coverage, are also examples of medical expense insurance plans.
– Major Medical Insurance
– Preferred Providers Organization (PPO)
– Exclusive Provider Organization (EPO)
– Point-Of-Service Plans (POS)
– Affordable Care Act (ACA) (Bronze, Silver, Gold Platinum Plans)


Disability Income Insurance is designed to provide a replacement income when wages are lost due to a disability.  It does not cover the medical expenses associated with a disability; rather, it provides the disabled insured with a guaranteed flow of periodic income payments while he/she is disabled.  
Accidental Death and Dismemberment Insurance commonly referred to as AD&D insurance, is the purest form of accident insurance, providing the insured with a lump-sum benefit amount in the event of accidental death or dismemberment under accidental circumstances.  AD&D coverage is typically part of a group insurance plan.  
For more information:
Health Insurance & HMO Overview:
Long Term Care Insurance Overview:
Health Insurance Reform & You (Affordable Care Act):
Health Insurance Reform & You (Affordable Care Act):


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