suppemental Insurance
Protects you from medical expenses not covered by insurance or medicare.
Health Insurance Plans for Individuals
Learn How Supplements Plans Protect You.
316 Health Insurance was built to provide a better client experience. We are here to be YOUR ADVOCATE! With so many options available, we will come along side you and help you find a plan to meets your goals, budget and needs.
Our advocates will help you learn how supplemental health insurance can help you fill fill the gaps and fix any holes that may exist with your current insurance plans.
Let us earn your trust.
It's important to know your options...
There is no such thing as a perfect health insurance plan. Supplemental insurance is additional insurance that enables you to pay for high deductibles and medical expenses that your regular medical insurance or Medicare won’t cover. Supplemental insurance can help pay for medical costs, copays, and coinsurance payments. The knowledge that supplemental insurance protects you and your family from unexpected, costly medical expenses can bring you peace of mind.
Accident insurance returns a lump sum payment for injuries covered by your policy. Similar to health insurance, accident insurance works in combination with disability insurance. It enables you to claim benefits for injuries, even if you are still able to work. Accident insurance can also pay for medical expenses your health insurance doesn’t cover.
Hospital indemnity insurance is coverage that pays for hospital medical services and aftercare. A hospital indemnity insurance policy will pay for gaps in medical coverage, deductibles, prescription drug costs, and expenses not covered by your health insurance or Medicare.
Even a short hospital stay can impact your budget. Hospital indemnity insurance is one way to gain some peace of mind regarding the high cost of a hospital stay.
Critical illness insurance provides coverage for emergencies or severe medical conditions such as heart attack, stroke, or cancer. To avoid the financial strain from the high cost of treating these illnesses or medical emergencies, critical illness insurance covers the expenses not paid by traditional health insurance or Medicare.
While the premiums for these policies are relatively low, the scope of coverage is limited to a few specific illnesses and emergencies. You can discuss your critical illness insurance needs with an experienced health insurance broker to better understand your options.
Contact the experienced health insurance brokers at Individual Health Consultants. We can work with you to determine your best supplemental health insurance coverage options. Call (316) 706-6012 for a free, confidential review of your supplemental insurance needs.
Medicare supplement plans, known as Medigap, help pay for out-of-pocket costs that Medicare Part A and Part B won’t cover. These expenses include coinsurance, copays, and deductibles. Medicare supplement plans allow you to continue seeing your doctor, provided they accept Medicare patients.
Also, Medicare supplement plans don’t require a referral for services that your primary care physician doesn’t offer. Your coverage is nationwide in the US. Not all agents are created equal. I will take time to visit with you face-to-face, explain your options and answer all your questions.
Home health care plans enable persons requiring homemaking and personal care services to pay for those out-of-pocket expenses which are not covered by traditional health insurance. While Medicare Part A and Part B provide some home health care services, they are limited in scope and duration. Also, Medicare won’t pay for ongoing home health care.
An experienced insurance consultant can help you make sense of the available home health care plans. I can advise you on choosing one that is financially suitable for your situation.
LESS CONFUSION, MORE SUPPORT
Why 316 Health Insurance?
- We don’t use high pressure sales tactics.
- We listen to your needs and are compassionate about your situation.
- We do what is best for YOU, regardless of commission.
- We work to solve your problems, not just sell you products.
We are here to help! No pressure-filled, predatory or confusing tactics – just clear, supportive help from a trusted local insurance advisor.
Next Steps
Working with 316 Health Insurance.
It is as Easy as 1, 2, 3...
STEP ONE
Schedule a consultation
We have 3 convenient ways for you to connect with us:
STEP TWO
Meet with an advisor
Prior to your meeting, we will send you detailed information on what to expect, what to bring, and where we are located.
STEP THREE
implement Your Strategy
We will walk with you every step of the way once you have decided on your path moving forward, from application/enrollment, to payment options, to claims handling, to “red-carpet” long-term client care.
Our Core Values
We refuse to accept that Health Insurance has a “One Size Fits All” solution. We endeavor to help our clients develop health insurance strategies that are uniquely tailored to their needs, desires, and budget. We do this through education and self-empowerment, NOT through confusion and sales tactics. We know that each client brings their own special set of intricacies; therefore, we are committed to finding personalized strategies for each situation. You are unique; your health care plan should be unique as well.
We are in it for the long haul. Our desire is to build long-lasting client relationships. We want to walk along side of our people through all their transitions in life. As needs change, laws change, and lives change; so also change the strategies that are in place for health insurance. We know that these types of trusting relationships can only be built through time and consistency.
Our goal is to make health insurance as stress-free as possible for our clients. We believe this happens as we consistently listen to and serve our clients. Not only do we seek to collaborate with our clients, advising them to design health insurance strategies that fit their lifestyle; we also want to help them bear the burden of how to leverage those strategies effectively, standing beside them through times of claims, advocating on their behalf as they deal with companies and providers, and coaching them to maximize their on-going coverage to its fullest potential.
We diligently desire to be a solution to the health insurance industry, not part of its problem. We recognize that the average consumer is overwhelmed, confused, and incredibly frustrated with the topic of health insurance. As a general rule, they are under-served and bombarded with salespeople who limit their advice to products that pay them the most commission, while shading product benefit information to highlight benefits while glazing over the gaping holes in their coverage. It is no wonder why there is little trust in the health insurance industry! It is our desire to be different. We want our client’s experience to be the absolute opposite of the indus-try standard. We will do all we can to build trust with our customers so that they know the ad-vice we give them is solid. The last phone call we ever want to receive is, “Why didn’t my health coverage work the way I thought it would…?”