Individual Healthcare Benefits

We offer health insurance quotes for individuals and families. Our agency can help you with the information you need to make the best decision on your individual health insurance coverage.

We help our clients compare plan features and benefits and ensure they understand every step of the process.

Medical research shows a connection between dental health and many serious health conditions, including diabetes, coronary heart disease to name just a few.  Let us help you take care of your dental health. You can cover yourself, your child, even your whole family.

There are many types of life insurance policies, and some even include options for investing a portion of your policy dollars into the stock market.

Many would-be buyers of life insurance don’t know where to turn for answers and solutions. R.M. Beasley & Associates represents many different life insurance carriers, so we can help you choose a policy that best meets your needs from many of the most-trusted names in the industry.

We help our clients understand the following types of life insurance, as well as decide on a carrier and other features to best meet their needs and goals:

• Term Life Insurance – Affordable, simplified insurance for a specific time period.
• Whole Life Insurance – Permanent insurance, fixed premiums, guaranteed death benefit, and cash value growth.
• Universal Life Insurance – Permanent insurance, with flexibility to change payments, premiums and death benefit options.
• Variable Universal Life Insurance – Permanent insurance, with flexibility to change payments, premiums and death benefit. This insurance also allows you the option to take investment risks in return for a potentially higher cash value.

Disability insurance provides individuals with income protection against disabilities resulting from a covered physical disease, injury, pregnancy or mental disorder.  Disability insurance may provide many features with flexible policy provisions that enable you to customize your coverage choices.

It comes in two types, short-term disability and long-term disability.  Each different type of policy is designed to cover either shorter or longer duration of disability.  A combination of both is necessary to cover the full spectrum of possible disability outcomes.

Disability insurance offers paycheck protection, providing cash directly to you for spending on mortgage payments or rent, groceries, utility bills, car payments, or whatever else you choose. A policy also can pay for training or other assistance you may need to return to work.

With disability income insurance, you can avoid depleting the savings you may have accumulated for your children’s education or your retirement.

Knowing your eligibility for disability benefits from your employer, the government, or other programs is an important first step before deciding whether to purchase disability income coverage. Also take into account other sources of income that may be available to you: a spouse’s income, short-term emergency savings, investment income, or help from your family.

If the total of these benefits is insufficient to pay your living expenses if you become disabled, or a disability would affect your long-term savings plan, consider buying an individual disability income insurance policy. R.M. Beasley & Associates can help you navigate through the maze of coverages, elimination periods, and benefit amounts that pertain to disability insurance.

Questions to ask about Long Term Disability at work…

• Do I have long term disability coverage?
• When would my benefits begin?
• How long would I get a check?
• How much would I get?
• Is the benefit taxable income?
• Do I have a cost of living rider on my plan?
• Will it pay for my bonuses?

Long-term care insurance provides for the type of care you may need if you can no longer perform “activities of daily living” by yourself, such as eating, bathing or getting dressed. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer’s disease. Care can be received in a variety of settings, including your own home, assisted living facilities, adult day care centers or hospice facilities.

This care can be covered completely or in part by long-term care insurance. Most plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled.

With healthcare spending increasing, prudent financial planning for long-term care insurance is needed. R.M. Beasley & Associates offers plans from a variety of companies. Long-term care (LTC) insurance is available in both individual and group policies.

Short-term medical insurance, also commonly known as Gap Insurance, is affordable temporary health insurance.

Short Term Medical plans can provide you and your loved ones with the peace of mind you need at a price you can afford.  During life transitions, you can’t afford to go without coverage.  Unexpected illnesses and accidents can happen, and the resulting medical bills can be costly.

Apply through R.M. Beasley & Associates and obtain the following options and benefits:

• Apply today and be covered as early as tomorrow.
• Get coverage for the exact number of days needed.
• Keep your own doctors.
• Get 24-hour access to doctors by telephone.
• Ensure your satisfaction with our 10-day money-back guarantee.
• Even a short period without health insurance is not worth the risk.

Why Do I Need Travel Insurance?

Traveling creates memories of a lifetime, and can also mean encountering the unexpected; ranging from an inconvenient flight delay to a cancellation for sickness, or a truly serious medical emergency.

In today’s travel environment it’s increasingly important to protect yourself and your travel investment.

For a true sense of security, a comprehensive policy from a reputable, independent travel insurance company is paramount. Medical insurance policies may not protect your travels abroad and often have out-of-network deductibles. Likewise, coverage through credit cards and travel suppliers can have shortfalls and not fully protect you in travel situations like the above.

Choosing the Right Coverage

GeoBlue offers a comprehensive range of international medical insurance and travel insurance products for every insurance need. Whether you need individual coverage or extended coverage for a long-term stay, we’ve got the right plan for you. GeoBlue's exceptional services provide you:

• 24/7/365 service for emergencies anywhere in the world
• Access to a global network of highly qualified providers
• Responsive medical management in the event of medical emergencies anywhere in the world
• International, multilingual customer service centers
• Access to useful, informative online tools that provide the information you need and save you time when you may need it most

A Healthcare Savings Account (HSA) gives you many advantages in saving for future health care expenses. Authorized by federal legislation, HSAs have been called the “medical IRA” because they offer tax advantages on all contributions, interest and qualified withdrawals.

If you have a qualified high deductible medical plan, you can use an HSA to obtain:

• Greater control over your health care dollars
• Funds for a broader range of health care services
• Tax Advantages
• A retirement income supplement